| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS | 17 TECHNOLOGY CIR SUITE E2AG COLUMBIA, SC 29203 | COMPANION LIFE INSURANCE COMPANY | $10K | $44K | $54K | 23.72% |
| STEINBERG & ASSOCIATES, INC.3 Filed as: STEINBERG & ASSOCIATES, INC | 340 SOUTH PINE STREET SPARTANBURG, SC 29302 | COMPANION LIFE INSURANCE COMPANY | $24K | $7K | $30K | 13.30% |
| STEINBERG & ASSOCIATES, INC.3 Filed as: STEINBERG & ASSOCIATES INC. | 340 SOUTH PINE STREET SPARTANBURG, SC 29302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 18.00% |
| STEINBERG & ASSOCIATES, INC.3 Filed as: STEINBERG & ASSOCIATES, INC | 340 SOUTH PINE STREET SPARTANBURG, SC 29302 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| STEINBERG & ASSOCIATES, INC.3 Filed as: STEINBERG & ASSOCIATES, INC | 340 SOUTH PINE STREET SPARTANBURG, SC 29302 | EYE MED VISION CARE | — | $2K | $2K | 14.50% |
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 | 236 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYE MED VISION CARE | 232 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 269 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 270 | $30K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 524 | $228K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 269 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.