| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, STE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $31K | $0 | $31K | 18.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S, STE 1600 HOUSTON, TX 77027 | METROPOLITAN LIFE INSURANCE COMPANY | $900 | $228 | $1K | 7.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S, STE 1600 HOUSTON, TX 77027 | MONY LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 16.51% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH, STE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $2K | $0 | $2K | 19.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1900 WEST LOOP S, STE 1600 HOUSTON, TX 77027 | UNITEDHEALTHCARE INSURANCE COMPANY | $166 | $725 | $891 | 77.21% |
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 | 702 | 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) | 702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS INSURANCE COMPANY | 227 | $163K |
| Dental(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 227 | $178K |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 227 | $165K |
| Life insurance(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 116 | $22K |
| Short-term disability(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 116 | $22K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 74 | $11K |
| Prescription drug | BCS INSURANCE COMPANY | 227 | $163K |
| Other | MONY LIFE INSURANCE COMPANY OF AMERICA | 74 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.