| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP Filed as: INSURANCE APPLICATIONS GROUP. | 220 N MAIN ST. GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $19K | — | $19K | 10.22% |
| KEYSTONE INSURANCE & BENEFITS GROUP | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | BCS INSURANCE COMPANY | $9K | — | $9K | 5.00% |
| INSURANCE APPLICATIONS GROUP | 220 N MAIN ST. GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $7K | — | $7K | 16.27% |
| KEYSTONE INSURANCE & BENEFITS GROUP | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | BCS INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| INSURANCE APPLICATIONS GROUP | 220 N MAIN ST. GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $3K | — | $3K | 16.24% |
| KEYSTONE INSURANCE & BENEFITS GROUP | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | BCS INSURANCE COMPANY | $952 | — | $952 | 5.00% |
| INSURANCE APPLICATIONS GROUP | 220 N MAIN ST. GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $2K | — | $2K | 16.23% |
| KEYSTONE INSURANCE & BENEFITS GROUP | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | 4 EVER LIFE INSURANCE COMPANY | $592 | — | $592 | 5.00% |
| INSURANCE APPLICATIONS GROUP | 220 N MAIN ST. GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $451 | — | $451 | 16.21% |
| KEYSTONE INSURANCE & BENEFITS GROUP | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | 4 EVER LIFE INSURANCE COMPANY | $139 | — | $139 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS INC EIN 57-0718839 THIRD PARTY ADMINISTRATIO | Other fees Service code 99 | PO BOX 6927 COLUMBIA, SC 29260 | $37K |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 174 | $185K |
| Dental | BCS INSURANCE COMPANY | 159 | $46K |
| Vision | BCS INSURANCE COMPANY | 142 | $19K |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY | 99 | $3K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 68 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.