| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP/VANTAGE BENEFIT ADVISORS L | 6200 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $5K | $26K | 12.42% |
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $30K | — | $30K | 15.24% |
| PLANNED ADMINISTRATORS, INC.3 | — | BCS INSURANCE COMPANY | — | $27K | $27K | 13.94% |
| INSURANCE APPLICATIONS GROUP3 | — | 4 EVER LIFE INSURANCE COMPANY | $3K | — | $3K | 22.95% |
| PLANNED ADMINISTRATORS, INC.3 | — | 4 EVER LIFE INSURANCE COMPANY | — | $2K | $2K | 14.50% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BENEFIT ADVISORS L | 6200 ROCKSIDE ROAD CLEVELAND, OH 44131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 30.63% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BENEFIT ADVISORS L | 6200 ROCKSIDE ROAD CLEVELAND, OH 44131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 19.14% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 152 | $197K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $404K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $404K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $221K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $221K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $206K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.