| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $23K | — | $23K | 17.98% |
| PLANNED ADMINISTRATORS, INC.5 | — | BCS INSURANCE COMPANY | — | $19K | $19K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $4K | — | $4K | 18.12% |
| PLANNED ADMINISTRATORS, INC.5 | — | BCS INSURANCE COMPANY | — | $3K | $3K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $1K | — | $1K | 18.13% |
| PLANNED ADMINISTRATORS, INC.5 | — | BCS INSURANCE COMPANY | — | $1K | $1K | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | — | 4 EVER LIFE INSURANCE COMPANY | $914 | — | $914 | 18.14% |
| PLANNED ADMINISTRATORS, INC.5 | — | 4 EVER LIFE INSURANCE COMPANY | — | $731 | $731 | 14.51% |
| INSURANCE APPLICATIONS GROUP3 | — | 4 EVER LIFE INSURANCE COMPANY | $201 | — | $201 | 18.06% |
| PLANNED ADMINISTRATORS, INC.5 | — | 4 EVER LIFE INSURANCE COMPANY | — | $161 | $161 | 14.47% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 122 | $130K |
| Dental | BCS INSURANCE COMPANY | 68 | $20K |
| Vision | BCS INSURANCE COMPANY | 52 | $7K |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY | 40 | $1K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 28 | $5K |
| Prescription drug | BCS INSURANCE COMPANY | 122 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.