| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $2.3M | — | $2.3M | 16.97% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29260 | BCS INSURANCE COMPANY | — | $2.0M | $2.0M | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $137K | — | $137K | 17.58% |
| PLANNED ADMINISTRATORS, INC.3 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29260 | 4 EVER LIFE INSURANCE COMPANY | — | $113K | $113K | 14.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 641843844 | STANDARD INSURANCE COMPANY | $51K | — | $51K | 21.89% |
| TWO RIVER BENEFITS CONSULTANTS LLC3 Filed as: TWO RIVER BEN CONSULTANTS LLC | 818 SHREWSBURY AVE, SUITE 201 TINTON FALLS, NJ 07724 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 4.86% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN HAWAII | $3K | — | $3K | 1.94% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | — | $620 | $620 | 0.50% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 10.68% |
| ALFRED CAPRARA3 | C/O RUEBEN WARNER ASSOCIATES 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 11,147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 105 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 11,252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BCS INSURANCE COMPANY | 10,977 | $14.0M |
| Dental | BCS INSURANCE COMPANY | 10,977 | $13.8M |
| Vision | BCS INSURANCE COMPANY | 10,977 | $13.8M |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY | 5,761 | $778K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 5,761 | $778K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 2,162 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,977 | — |
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.