| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | BCS INSURANCE COMPANY | $2.2M | — | $2.2M | 20.01% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29260 | BCS INSURANCE COMPANY | — | $1.6M | $1.6M | 14.50% |
| INSURANCE APPLICATIONS GROUP3 | 250 COMMONWEALTH SUITE 107 GREENVILLE, SC 29615 | 4 EVER LIFE INSURANCE COMPANY | $165K | — | $165K | 23.00% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29260 | 4 EVER LIFE INSURANCE COMPANY | — | $104K | $104K | 14.50% |
| HOGAN CONSULTING GROUP, LLC3 | 1088 BISHOP ST SUITE 1224 HONOLULU, HI 96813 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $8K | — | $8K | 3.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $808 | — | $808 | 0.30% |
| PLANNED ADMINISTRATORS, INC.5 | 17 TECHNOLOGY CIRCLE SUITE E2AG COLUMBIA, SC 29260 | BCS INSURANCE COMPANY | — | $6K | $6K | 4.45% |
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 | 8,294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 8,355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BCS INSURANCE COMPANY | 8,291 | $11.5M |
| Dental | BCS INSURANCE COMPANY | 8,291 | $11.1M |
| Vision | BCS INSURANCE COMPANY | 8,291 | $11.1M |
| Life insurance | 4 EVER LIFE INSURANCE COMPANY | 4,508 | $716K |
| Short-term disability | 4 EVER LIFE INSURANCE COMPANY | 4,508 | $716K |
| Prescription drug(2 contracts) | BCS INSURANCE COMPANY | 8,291 | $11.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,291 | — |
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.