| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANNED ADMINISTRATORS, INC.3 Filed as: PLANNED ADMINISTRATORS | 17 TECHNOLOGY CIRCLE, SUITE E2AG COLUMBIA, SC 29203 | BCS INSURANCE COMPANY | — | $32K | $32K | 17.50% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | BCS INSURANCE COMPANY | $12K | — | $12K | 6.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4904 EISENHOWER BLVD., SUITE 250 TAMPA, FL 33634 | BCS INSURANCE COMPANY | $12K | — | $12K | 6.25% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 1.38% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.91% |
| LOCKTON COMPANIES, LLC3 | 1715 AARON BRENNER DRIVE, SUITE 512 MEMPHIS, TN 38120 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4904 EISENHOWER BLVD., SUITE 250 TAMPA, FL 33634 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | VISION SERVICE PLAN | $536 | — | $536 | 2.93% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 505115 SAINT LOUIS, MO 631505115 | VISION SERVICE PLAN | $509 | — | $509 | 2.78% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 423 | $319K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 368 | $112K |
| Vision | VISION SERVICE PLAN | 292 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.