| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYNERGY CORPORATE SERVICES, INC.3 Filed as: SYNERGY CORPORATE SERVICES INC. | 267 WEST WIECUA ROAD NE, SUITE 204 ATLANTA, GA 30342 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | $343K | $348K | 3.70% |
| SYNERGY CORPORATE SERVICES, INC.3 Filed as: SYNERGY CORPORATE SERVICES INC. | 267 WEST WIEUCA ROAD, SUITE 204 ATLANTA, GA 30342 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $103K | $15K | $119K | 17.36% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFIT SOLUTIONS LLC | 18940 NORTH PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $68K | $68K | 10.00% |
| SYNERGY CORPORATE SERVICES, INC.3 | 267 WEST WIEUCA ROAD NE, SUITE 204 ATLANTA, GA 30342 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 5.04% |
| SYNERGY CORPORATE SERVICES, INC.3 Filed as: SYNERGY CORPORATE SERVICES INC. | 267 WEST WIEUCA ROAD. SUITE 204 ATLANTA, GA 30342 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 6.25% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.12% |
| SHERI L MITCHELL INC3 Filed as: SHERI L. MITCHELL | 540 BIRNAMWOOD DRIVE SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| TONYA S LANCASTER3 Filed as: TONYA S. LANCASTER | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.82% |
| SWETT & CRAWFORD OF GEORGIA INC3 Filed as: SWETT AND CRAWFORD OF GEORGIA INC. | 3350 RIVERWOOD PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.09% |
| SYNERGY CORPORATE SERVICES, INC.3 Filed as: SYNERGY CORPORATE SERVICES INC. | 267 WEST WIEUCA ROAD ATLANTA, GA 30342 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $4K | — | $4K | 15.00% |
| SYNERGY CORPORATE SERVICES, INC.3 Filed as: SYNERGY CORPORATE INSURANCE, INC. | 4060 PEACHTREE ROAD NE, SUITE D-320 ATLANTA, GA 30319 | VISION SERVICE PLAN | $922 | — | $922 | 4.80% |
| SYNERGY CORPORATE SERVICES, INC.3 | 267 WEST WIEUCA ROAD NE, SUITE 204 ATLANTA, GA 30342 | LEGAL CLUB OF AMERICA | $2K | — | $2K | 15.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | UNKNOWN LAWRENCEVILLE, GA 30043 | LEGAL CLUB OF AMERICA | $118 | — | $118 | 1.08% |
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 | 1,108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,714 | $9.9M |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,714 | $9.4M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,092 | $684K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,092 | $684K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,092 | $684K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,714 | $9.9M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,092 | $836K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,092 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.