| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOURCE INC5 Filed as: BENEFIT SOURCE, INC. | 304 RIDGELAND DR GREENVILLE, SC 29601 | PAN AMERICAN LIFE INSURANCE COMPANY | — | $93K | $93K | 44.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PAN AMERICAN LIFE INSURANCE COMPANY | $58K | — | $58K | 27.76% |
| BENEFIT SOURCE INC5 Filed as: BENEFIT SOURCE, INC. | 304 RIDGELAND DR GREENVILLE, SC 29601 | PAN AMERICAN LIFE INSURANCE COMPANY | — | $19K | $19K | 35.70% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PAN AMERICAN LIFE INSURANCE COMPANY | $15K | — | $15K | 27.76% |
| BENEFIT SOURCE INC5 Filed as: BENEFIT SOURCE, INC. | 304 RIDGELAND DR GREENVILLE, SC 29601 | PAN AMERICAN LIFE INSURANCE COMPANY | $19K | $19K | $37K | 846.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PAN AMERICAN LIFE INSURANCE COMPANY | $15K | — | $15K | 329.07% |
| BENEFIT SOURCE INC5 Filed as: BENEFIT SOURCE, INC. | 304 RIDGELAND DR GREENVILLE, SC 29601 | PAN AMERICAN LIFE INSURANCE COMPANY | — | $19K | $19K | 540.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PAN AMERICAN LIFE INSURANCE COMPANY | $15K | — | $15K | 420.64% |
| BENEFIT SOURCE INC5 Filed as: BENEFIT SOURCE, INC. | 304 RIDGELAND DR GREENVILLE, SC 29601 | PAN AMERICAN LIFE INSURANCE COMPANY | — | $19K | $19K | 5408.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PAN AMERICAN LIFE INSURANCE COMPANY | $15K | — | $15K | 4206.38% |
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 | 431 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN AMERICAN LIFE INSURANCE COMPANY | 431 | $209K |
| Dental | PAN AMERICAN LIFE INSURANCE COMPANY | 431 | $3K |
| Vision | PAN AMERICAN LIFE INSURANCE COMPANY | 431 | $4K |
| Life insurance | PAN AMERICAN LIFE INSURANCE COMPANY | 431 | $52K |
| Short-term disability | PAN AMERICAN LIFE INSURANCE COMPANY | 431 | $345 |
| Prescription drug | PAN AMERICAN LIFE INSURANCE COMPANY | 431 | $209K |
| Other | PAN AMERICAN LIFE INSURANCE COMPANY | 431 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.