| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST SUITE 605 GREENVILLE, SC 29601 | BCS INSURANCE COMPANY | $115K | — | $115K | 15.09% |
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS INC. | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | $111K | — | $111K | 14.50% |
| SAFE HARBOR BENEFITS INC.3 | 1321 W RANDOL MILL RD SUITE 100 ARLINGTON, TX 76012 | BCS INSURANCE COMPANY | $23K | — | $23K | 3.00% |
| INSURANCE APPLICATIONS GROUP3 | 220 N MAIN ST SUITE 605 GREENVILLE, SC 29601 | 4 EVER LIFE INSURANCE COMPANY | $6K | — | $6K | 15.20% |
| PLANNED ADMINISTRATORS, INC. Filed as: PLANNED ADMINISTRATORS INC | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29203 | 4 EVER LIFE INSURANCE COMPANY | $6K | — | $6K | 14.50% |
| SAFE HARBOR BENEFITS INC.3 Filed as: SAFE HARBOR BENEFITS INC | 1321 W RANDOL ROAD SUITE 100 ARLINGTON, TX 76012 | 4 EVER LIFE INSURANCE COMPANY | $1K | — | $1K | 3.00% |
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 | 629 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 629 | $763K |
| Dental | BCS INSURANCE COMPANY | 629 | $763K |
| Vision | BCS INSURANCE COMPANY | 629 | $763K |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY | 261 | $43K |
| Other | 4 EVER LIFE INSURANCE COMPANY | 261 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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.