| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $32K | $2K | $34K | 21.43% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $34K | $1K | $35K | 22.23% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $0 | $46K | 43.34% |
| HUTCHINSON-TRAYLOR AGENCY3 Filed as: HUTCHINSON-TRAYLOR INS AGENCY | PO BOX 1049 LAGRANGE, GA 302410019 | METROPOLITAN LIFE INSURANCE COMPANY | $42K | $0 | $42K | 39.59% |
| ENROLLEASE3 Filed as: NORTHWESTERN BENEFIT ONEDIGITAL | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 17.07% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $137 | $3K | 22.27% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 132 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | $42 | $1K | 23.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $231K |
| DIGITAL INSURANCE EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $116K |
| AETNA SIGNATURE ADMINISTRATORS EIN 06-6033492 PPO | Insurance services Service code 23 | — | $109K |
| HUTCHINSON TRAYLOR INSURANCE AGENCY EIN 58-0297410 BROKER | Insurance agents and brokers Service code 22 | — | $79K |
| MARQUEE HEALTH EIN 46-5472798 MIHEALTH MANAGER FEE | Insurance services Service code 23 | — | $1K |
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 | 695 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | HCC INSURANCE COMPANY | 571 | $683K |
| Other(4 contracts) | AFLAC | 199 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.
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.