| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC, INC. | 109 LAURENS RD BUILDING #3 GREENVILLE, SC 29607 | WESTPORT INSURANCE CORPORATION | $36K | $0 | $36K | 11.09% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC | — | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | $0 | $13K | 9.60% |
| BENEFIT CONTROLS OF THE MIDLANDS3 Filed as: BENEFIT CONTROLS OF SC, INC. | PO BOX 6608 GREENVILLE, SC 29606 | DELTA DENTAL OF MISSOURI | $7K | $0 | $7K | 9.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 TPA | Contract Administrator Service code 13 | — | $74K |
| CIGNA EIN 59-1031071 PPO | Contract Administrator Service code 13 | — | $19K |
| BENEFIT CONTROLS OF SC, INC. EIN 57-0807710 BROKER | Contract Administrator Service code 13 | — | $13K |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 226 | $67K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 251 | $135K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 251 | $135K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 251 | $135K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 211 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.