| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $1.5M | $1.9M | $3.4M | 25.65% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $78K | $95K | $174K | 26.42% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCTON COMPANIES LLC | C/O COMMERCE BANK PO BOX 843844 KANSAS CITY, MO 641843844 | STANDARD INSURANCE COMPANY | $48K | — | $48K | 22.01% |
| TWO RIVER BENEFITS CONSULTANTS LLC3 Filed as: TWO RIVER BEN CONSULTANTS LLC | 818 SHREWSBURY AVE SUITE 201 TINTON FALLS, NJ 07724 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 7.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - KC SERIES | 444 W. 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $4K | — | $4K | 2.01% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O COMMERCE BANK P.O. BOX 843844 KANSAS CITY, MO 64184 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 5.68% |
| RUEBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMONE AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 5.00% |
| ALFRED CAPRARA3 | C/O REUBEN WARNER ASSOCIATES 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $2K | $2K | $3K | 19.91% |
| PLANNED ADMINISTRATORS, INC.3 | PO BOX 6927 COLUMBIA, SC 29260 | RGI, LLC/COMPANION LIFE INSURANCE COMPANY | $12K | — | $12K | 473.98% |
| IAG, INC.3 Filed as: IAG BENEFITS | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | RGI, LLC/COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 192.55% |
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 | 10,514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 101 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 10,615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 10,270 | $13.5M |
| Dental | BCS INSURANCE COMPANY | 10,270 | $13.3M |
| Vision | BCS INSURANCE COMPANY | 10,270 | $13.3M |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY | 10,270 | $657K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 10,270 | $657K |
| Stop-loss / reinsurancereinsurance | RGI, LLC/COMPANION LIFE INSURANCE COMPANY | 40 | $3K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,220 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,270 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.