| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANNED ADMINISTRATORS, INC. Filed as: PLANNED ADMINISTATORS | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | NATIONWIDE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $681 | $681 | 4.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $761 | $761 | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $866 | — | $866 | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $470 | $470 | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $843 | — | $843 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC5 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $225 | $225 | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTATORS EIN 57-0718839 TPA ADMINISTRATIVE FEES | Recordkeeping fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Account maintenance fees; Claims processing Service code 12 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | $49K |
| MARSH & MCLENNAN AGENCY EIN 36-1436000 BROKER/CONSULTANT FEES | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | $49K |
| FIRST STOP HEALTH EIN 45-1542956 MANAGED CARE PROGRAMS | Direct payment from the plan; Other services Service code 49 | — | $3K |
| BLUE CROSS BLUE SHIELD EIN 57-0287419 PPO & UTILIZATION REVIEW | Direct payment from the plan; Other services Service code 49 | — | $2K |
| FIRSTHEALTH EIN 20-1736437 PPO NETWORK FEES | Direct payment from the plan; Other services Service code 49 | — | $949 |
| WAGE WORKS, INC EIN 94-3351864 COBRA ADMINISTRATION | Other services; Direct payment from the plan Service code 49 | — | $290 |
| MEDCOST EIN 56-1999192 PPO NETWORK FEES | Direct payment from the plan; Other services Service code 49 | — | $96 |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $47K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 188 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 118 | $25K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE INSURANCE COMPANY | 0 | $348K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 64 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.