| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | 7345 GRAND BOULEVARD SUITE 400 KANSAS CITY, MO 64108 | QBE INSURANCE CORPORATION | $141K | — | $141K | 14.94% |
| PLANNED ADMINISTRATORS, INC.5 Filed as: PLANNED ADMINISTRATORS | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | QBE INSURANCE CORPORATION | $2K | — | $2K | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | $6K | $32K | 9.77% |
| GALLAGHER BENEFIT SERVICES, INC.0 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $133 | $133 | 0.04% |
| BENEFIT CONTROLS OF THE MIDLANDS Filed as: BENEFIT CONTROLS OF SC INC. | PO BOX 6608 GREENVILLE, SC 29606 | ALLSTATE | $5K | — | $5K | 11.35% |
| ECM BENEFITS LLC | PO BOX 12457 CHARLOTTE, NC 282202457 | ALLSTATE | $5K | — | $5K | 10.46% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC INC. | 109 LAURENS ROAD GREENVILLE, SC 29607 | ALLSTATE | $482 | — | $482 | 1.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PLANNED ADMINISTRATORS EIN 57-0718839 TPA | Contract Administrator Service code 13 | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | $300K |
| BLUE CROSS BLUE SHIELD OF SC EIN 57-0287419 PPO UTIL REV MGD CARE | Other insurance fees and expenses Service code 73 | — | $0 |
| GALLAGHER BENEFITS SERVICES INC. EIN 36-4291971 CONSULTANT | Consulting fees Service code 70 | — | $0 |
| MULTIPLAN PRIVATE HEALTH CARE SYS EIN 13-3068979 PPO | Other insurance fees and expenses Service code 73 | — | $0 |
| OHIO HEALTH CHOICES PPO EIN 34-1895396 PPO | Other insurance fees and expenses Service code 73 | — | $0 |
| WAGEWORKS INC EIN 94-3351864 COBRA ADMIN | 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 | 968 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 968 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 497 | $324K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 497 | $324K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 497 | $324K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | QBE INSURANCE CORPORATION | 968 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 968 | — |
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.