| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE MANAGEMENT SERVICES3 Filed as: INSURANCE MANAGEMENT GROUP | 1600 ST JULIAN PLACE COLUMBIA, SC 29204 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 NONE | Contract Administrator; Claims processing; Plan Administrator Service code 12 | — | $115K |
| MULTIPLAN | Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $69K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 NONE | Insurance services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $61K |
| HEALTHRISK RESOURCE GROUP, LLC EIN 52-2085838 NONE | Insurance services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $27K |
| MEDCOST EIN 56-1999192 NONE | Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $22K |
| CERIDIAN EIN 59-3424469 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services; Contract Administrator Service code 13 | — | $11K |
| MULTIPLAN/PRIVATE HEALTH CARE SYS EIN 13-3068979 NONE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Insurance services Service code 13 | — | $0 |
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 | 1,031 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,036 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,031 | $311K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,031 | $311K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,031 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,031 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.