| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC, INC. | 109 LAURENS RD BLDG 3 GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $76K | — | $76K | 9.83% |
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS INC. | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.38% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC, INC. | 109 LAURENS RD BLDG 3 GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $51K | $7K | $58K | 17.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS, INC. EIN 57-0718839 TPA ADMIN FEES | Contract Administrator Service code 13 | — | $74K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 PPO,HEALTH MGT, COBRA | Contract Administrator Service code 13 | — | $0 |
| CERIDIAN EIN 59-3424469 COBRA ADMINISTRATION | Contract Administrator Service code 13 | — | $0 |
| FIRST HEALTH EIN 20-1736437 PPO NETWORK FEES | Contract Administrator 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 | 472 | 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) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $338K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $338K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 472 | $776K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 288 | $338K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.