| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVS INC. | PO BOX 95287 CHICAGO, IL 60694 | THE HARTFORD | $90K | $5K | $95K | 24.02% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 100 S CREST DR ATLANTA, GA 30281 | THE STANDARD | — | $10K | $10K | 4.13% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | PO BOX 117163 ATLANTA, GA 30368 | THE STANDARD | — | $8K | $8K | 4.08% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP INC | 100 S CREST DR ATLANTA, GA 30281 | THE STANDARD | — | $4K | $4K | 4.08% |
| VISION SERVICE PLAN3 | 3333 QUALITY DR RANCHO CORDOVA, CA 95670 | VISION SERVICE PLAN | — | $13K | $13K | 16.00% |
| ESKRA & ASSOCIATES INC3 Filed as: ESKRA AND ASSOCIATES | 355 ALHAMBRA CIRCLE, STE 1550 CORAL GABLES, FL 33134 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.08% |
| FINN, DALE3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.60% |
| TYLER, MICHAEL CHARLES3 | 4743 FOXTAIL PALM CT GREENACRES, FL 33463 | STANDARD INSURANCE COMPANY | $697 | — | $697 | 1.90% |
| ROSE P SANDOVAL | 2056 VISTA PKWY STE 300 WEST PALM BEACH, FL 33411 | STANDARD INSURANCE COMPANY | $224 | — | $224 | 0.61% |
| GALLAGHER BENEFIT SERVICES, INC.1 Filed as: GALLAGHER BENEFIT SVS - PALM BEACH | 2056 VISTA PARKWAY, SUITE 300 WEST PALM BEACH, FL 33411 | PREFERRED LEGAL PLAN | $4K | — | $4K | 20.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF S. CAROLINA EIN 57-0287419 PLAN SPONSOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | I-20 AT ALPINE RD COLUMBIA, SC 29219 | $612K |
| JANUS ASSOCIATES, INC. DBA BHS EIN 52-1306404 PLAN ADMINISTRATOR | Other fees Service code 99 | 6225 SMITH AVENUE, SUITE 203 BALTIMORE, MD 21209 | $59K |
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 | 1,063 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,063 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(8 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,056 | $691K |
| Vision | VISION SERVICE PLAN | 940 | $83K |
| Life insurance(2 contracts, 2 carriers) | THE HARTFORD | 1,611 | $649K |
| Short-term disability | THE STANDARD | 1,611 | $187K |
| Long-term disability(2 contracts, 2 carriers) | THE STANDARD | 350 | $133K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF S. CAROLINA | 3,297 | $10.9M |
| Other(2 contracts, 2 carriers) | THE HARTFORD | 1,548 | $413K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,297 | — |
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.
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.