| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $42K | — | $42K | 19.00% |
| INSURANCE APPLICATIONS GROUP | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $7K | — | $7K | 14.50% |
| INSURANCE APPLICATIONS GROUP | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $4K | — | $4K | 23.00% |
| INSURANCE APPLICATIONS GROUP | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $401 | — | $401 | 14.51% |
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 | 327 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 327 | $221K |
| Dental | BCS INSURANCE COMPANY | 267 | $47K |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY | 163 | $3K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 130 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.