| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCEVER & TRIBBLE, INC.3 Filed as: MCEVER AND COMPANY | 3300 CUMBERLAND BLVD. SUITE 350 ATLANTA, GA 30339 | COMPANIION LIFE INSURANCE COMPANY | $98K | — | $98K | 14.60% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BCBS OF SOUTH CAROLINA | I 20 AT ALPINE ROAD COLUMBIA, SC 29219 | COMPANIION LIFE INSURANCE COMPANY | $43K | — | $43K | 6.46% |
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 | 1,739 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,739 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | COMPANIION LIFE INSURANCE COMPANY | 1,739 | $671K |
| Short-term disability | COMPANIION LIFE INSURANCE COMPANY | 1,739 | $671K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,739 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.