| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS INC | P.O. BOX 6927 COLUMBIA, SC 29260 | SUNLIFE ASSURANCE COMPANY | $12K | $27K | $40K | 28.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 115 CENTRAL ISLAND STREET, STE 100 CHARLESTON, SC 29492 | SUNLIFE ASSURANCE COMPANY | $12K | — | $12K | 8.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAHER BENEFITS SERVICES INC. | 1012 E. WALL STREET MT. PLEASANT, SC 29464 | COMPANION LIFE INSURANCE CO | — | $185 | $185 | 12.01% |
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS INC | 17 TECHNOLOGY CIRCLE AG 970 COLUMBIA, SC 29203 | COMPANION LIFE INSURANCE CO | — | $93 | $93 | 6.04% |
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS INC | P.O. BOX 6927 COLUMBIA, SC 29260 | OPTUM HEALTH - UNIMERICA | — | — | $0 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 115 CENTRAL ISLAND STREET, STE 100 CHARLESTON, SC 29492 | OPTUM HEALTH - UNIMERICA | — | — | $0 | — |
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 | 64 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 64 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANION LIFE INSURANCE CO | 59 | $2K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY | 85 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.