| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS INC | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLMBIA, SC 29203 | BERKSHIRE HATHAWY SPECIALTY INS | $17K | $226K | $243K | 79.74% |
| ANALYTICAL HEALTH SOLUTIONS3 | PO BOX 77074 CHARLOTTE, NC 28271 | BERKSHIRE HATHAWY SPECIALTY INS | $16K | — | $16K | 5.34% |
| SCOTT MACEWAN | 8618 HIGHGROVE STREET CHARLOTTE, NC 28277 | BERKSHIRE HATHAWY SPECIALTY INS | $8K | — | $8K | 2.61% |
| SCOTT MACEWAN3 | 8618 HIGHGROVE STREET CHARLOTTE, NC 28277 | STANDARD INS CO - DENTAL | $7K | — | $7K | 10.00% |
| SCOTT MACEWAN3 | 8618 HIGHGROVE STREET CHARLOTTE, NC 28277 | STANDARD INS CO - LIFE | $4K | — | $4K | 10.00% |
| SCOTT MACEWAN3 | 8618 HIGHGROVE STREET CHARLOTTE, NC 28277 | STANDARD INS CO - TEMPORARY DISABILITY | $2K | — | $2K | 10.00% |
| SCOTT MACEWAN3 | 8618 HIGHGROVE STREET CHARLOTTE, NC 28277 | STANDARD INS CO - LONG TERM DISABILITY | $338 | — | $338 | 8.83% |
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 | 322 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INS CO - DENTAL | 203 | $67K |
| Life insurance | STANDARD INS CO - LIFE | 344 | $39K |
| Short-term disability | STANDARD INS CO - TEMPORARY DISABILITY | 98 | $23K |
| Long-term disability | STANDARD INS CO - LONG TERM DISABILITY | 39 | $4K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWY SPECIALTY INS | 530 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.