| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $24K | — | $24K | 20.08% |
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS INC | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $18K | $18K | 14.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4101 GLASS RD NE CEDAR RAPIDS, IA 52402 | LINCOLN NATIONAL LIFE INS CO | $15K | $1K | $16K | 16.81% |
| SUPPLEMENTAL INS SVCS INC3 Filed as: SUPPLEMENTAL INSURANCE SERVICES INC | 115 E PLATT ST MAQUOKETA, IA 52060 | LINCOLN NATIONAL LIFE INS CO | $2K | — | $2K | 2.51% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $3K | — | $3K | 23.00% |
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS INC | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | — | $2K | $2K | 14.50% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | WELLMARK INC | 81 | $676K |
| Dental | LINCOLN NATIONAL LIFE INS CO | 119 | $97K |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 119 | $219K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INS CO | 119 | $110K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INS CO | 119 | $110K |
| Long-term disability | LINCOLN NATIONAL LIFE INS CO | 119 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.