| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SYNERGY CORPORATE SERVICES, INC.3 | 267 WEST WIECUA ROAD NE, SUITE 204 ATLANTA, GA 30342 | UNITEDHEALTHCARE INSURANCE COMPANY | $3 | $348K | $348K | 4.17% |
| SYNERGY CORPORATE SERVICES, INC.3 | 267 WEST WIEUCA ROAD, SUITE 204 ATLANTA, GA 30342 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $105K | — | $105K | 15.39% |
| 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 | — | $65K | $65K | 9.50% |
| EDWARD BREWER3 Filed as: EDWARD LUND HODGSON | 267 WEST WIEUCA ROAD NE, SUITE 204 ATLANTA, GA 30342 | KAISER FOUNDATION HEALTH PLAN INC | $23K | — | $23K | 5.01% |
| SYNERGY CORPORATE SERVICES, INC.3 | 4060 PEACHTREE ROAD NE, SUITE D320 ATLANTA, GA 30319 | VISION SERVICE PLAN | $4K | — | $4K | 2.38% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $12K | — | $12K | 9.27% |
| SYNERGY CORPORATE SERVICES, INC.3 | 267 WEST WIEUCA ROAD, SUITE 204 ATLANTA, GA 30342 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 6.25% |
| SHERI L MITCHELL INC3 Filed as: SHERI L. MITCHELL | 540 BIRNAMWOOD DRIVE SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.42% |
| TONYA S LANCASTER3 Filed as: TONYA S. LANCASTER | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.46% |
| 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 | 1.37% |
| MICHAEL A SIMPSON3 Filed as: MICHAEL R. SLADE SR. | 3350 RIVERWOOD PARKWAY SE SUITE 1100 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| SYNERGY CORPORATE SERVICES, INC.3 | 267 WEST WIEUCA ROAD, SUITE 204 ATLANTA, GA 30342 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $6K | — | $6K | 15.00% |
| SYNERGY CORPORATE SERVICES, INC.3 | 267 WEST WIEUCA ROAD NE, SUITE 204 ATLANTA, GA 30342 | LEGAL CLUB OF AMERICA | $2K | — | $2K | 18.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF MARYLAND, INC. | UNKNOWN LAWRENCEVILLE, GA 30043 | LEGAL CLUB OF AMERICA | $84 | — | $84 | 0.81% |
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 | 904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 936 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,119 | $8.8M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,119 | $8.5M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,075 | $812K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,075 | $685K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,075 | $685K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,119 | $8.8M |
| Other(4 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,075 | $863K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,119 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.