| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | STANDARD SECURITY LIFE INSURANCE | $57K | — | $57K | 16.36% |
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC3 | 17475 JOVANNA DRIVE HOMEWOOD, IL 60430 | STANDARD SECURITY LIFE INSURANCE | $4K | — | $4K | 1.17% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | HARTFORD LIFE AND ACCIDENT | $60K | — | $60K | 18.01% |
| SEE ATTACHMENT3 | — | COLONIAL LIFE & ACCIDENT INS CO | $46K | $7K | $53K | 21.96% |
| SEE ATTACHMENT3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $1K | $19K | 23.85% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | NATIONAL VISION ADMINISTRATORS - FSL | $2K | — | $2K | 5.00% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3500 LENOX RD STE 1600 ATLANTA, GA 30326 | COLONIAL LIFE & ACCIDENT INS CO | $72 | — | $72 | 4.02% |
| SANTE CONCEPTS INC | 94 BARTLETT WAY DALLAS, GA 30157 | COLONIAL LIFE & ACCIDENT INS CO | $23 | — | $23 | 1.28% |
| LAURIE J BURNS3 | 303 PLYLER RD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INS CO | $20 | — | $20 | 1.12% |
| LESLIE BUSSEY3 | PO BOX 725385 ATLANTA, GA 31139 | COLONIAL LIFE & ACCIDENT INS CO | $15 | — | $15 | 0.84% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL AND ASSOCIATES INC. | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INS CO | $1 | — | $1 | 0.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC EIN 36-4197088 THIRD PARTY ADMINISTRATOR | Claims processing; Plan Administrator; Other services Service code 12 | 17475 JOVANNA DRIVE HOMEWOOD, IL 60430 | $111K |
| THE BENEFIT COMPANY CONSULTANT | Consulting (general) Service code 16 | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | $107K |
| CIGNA EIN 84-0467907 NETWORK PROVIDER | Other services Service code 49 | — | $67K |
| TELADOC, INC EIN 04-3705970 TELEHEALTH CARE PROVIDER | Other services Service code 49 | — | $10K |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS - FSL | 248 | $49K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 581 | $332K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 581 | $332K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 581 | $332K |
| Stop-loss / reinsurancereinsurance | STANDARD SECURITY LIFE INSURANCE | 296 | $346K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 581 | $654K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.