| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY FLORIDA | 1000 CORPORATE DR SUITE 400 FT LAUDERDALE, FL 33334 | THE HARTFORD | $72K | — | $72K | 7.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVS INC. | PO BOX 95287 CHICAGO, IL 60694 | THE HARTFORD | $39K | — | $39K | 4.18% |
| VISION SERVICE PLAN4 | 3333 QUALITY DR RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $14K | $14K | 16.00% |
| ESKRA & ASSOCIATES INC3 Filed as: ESKRA AND ASSOCIATES | 355 ALHAMBRA CIRCLE, STE 1550 CORAL GABLES, FL 33134 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.63% |
| FINN, DALE3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.44% |
| TYLER, MICHAEL CHARLES3 | 4743 FOXTAIL PALM CT GREENACRES, FL 33463 | STANDARD INSURANCE COMPANY | $605 | — | $605 | 1.73% |
| JENNIFER COSTEA3 | 1000 CORPORATE DR 4TH FLOOR FT LAUDERDALE, FL 33334 | STANDARD INSURANCE COMPANY | $355 | — | $355 | 1.01% |
| ROSE P SANDOVAL3 | 2056 VISTA PKWY STE 300 WEST PALM BEACH, FL 33411 | STANDARD INSURANCE COMPANY | $124 | — | $124 | 0.35% |
| MARSH & MCLENNAN AGENCY LLC1 Filed as: MARSH & MCLENNAN AGENCY FLORIDA | 9850 NW 41ST STREET, STE 100 MIAMI, FL 33178 | PREFERRED LEGAL PLAN | $4K | — | $4K | 21.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF S. CAROLINA EIN 57-0287419 PLAN SPONSOR | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | I-20 AT ALPINE RD COLUMBIA, SC 29219 | $662K |
| JANUS ASSOCIATES, INC. DBA BHS EIN 52-1306404 PLAN ADMINISTRATOR | Other fees Service code 99 | 6225 SMITH AVENUE, SUITE 203 BALTIMORE, MD 21209 | $64K |
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 | 1,096 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,096 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,111 | $730K |
| Vision | VISION SERVICE PLAN | 889 | $85K |
| Life insurance | THE HARTFORD | 1,625 | $936K |
| Long-term disability(2 contracts, 2 carriers) | THE HARTFORD | 1,625 | $971K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF S. CAROLINA | 1,096 | $11.7M |
| Other(2 contracts, 2 carriers) | THE HARTFORD | 1,625 | $955K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,625 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.