| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.5 Filed as: UNTIED HEALTHCARE SERVICES, INC. | PO BOX 19032 GREEN BAY, WI 54307 | ALL SAVERS INSURANCE COMPANY | — | $48K | $48K | 7.66% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | ALL SAVERS INSURANCE COMPANY | $38K | — | $38K | 6.03% |
| INSURANCE APPLICATIONS GROUP3 | 220 N. MAIN STREET GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $70K | — | $70K | 16.00% |
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS | 17 TECHNOLOGY CIRCLE COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $64K | $64K | 14.50% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BCS INSURANCE COMPANY | $13K | — | $13K | 3.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N. MAIN STREET GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $35K | — | $35K | 20.00% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $26K | $26K | 14.50% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BCS INSURANCE COMPANY | $5K | — | $5K | 3.00% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 13.85% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | DELTA DENTAL OF KANSAS, INC. | $2K | — | $2K | 3.29% |
| INSURANCE APPLICATIONS GROUP3 | 220 N. MAIN STREET GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $9K | $9K | 14.50% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BCS INSURANCE COMPANY | $2K | — | $2K | 3.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N. MAIN STREET GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | — | $6K | $6K | 14.50% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | 4 EVER LIFE INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N. MAIN STREET GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | — | $1K | $1K | 14.50% |
| LOCKTON COMPANIES, LLC3 | 444 W. 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | 4 EVER LIFE INSURANCE COMPANY | $298 | — | $298 | 3.00% |
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 | 747 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALL SAVERS INSURANCE COMPANY | 525 | $1.1M |
| Dental(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 747 | $240K |
| Vision(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 545 | $125K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 389 | $76K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 252 | $107K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 140 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 747 | — |
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.