| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $500 | $50K | $51K | 5.28% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC | 199 SCOTT ST, STE 800 BUFFALO, NY 14204 | UNITED HEALTHCARE INSURANCE COMPANY | $6 | $39 | $45 | 0.00% |
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS INC | 17 TECHNOLOGY CIRCLE, STE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $22K | $22K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, STE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $22K | — | $22K | 14.46% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC | 199 SCOTT ST BUFFALO, NY 14204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 17.84% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 9.40% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 223 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.