| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY SUITE 200 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $129K | $14K | $143K | 20.64% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $52K | $0 | $52K | 7.52% |
| HUTCHINSON-TRAYLOR AGENCY3 Filed as: HUTCHINSON-TRAYLOR INS AGENCY | PO BOX 1049 LAGRANGE, GA 302410019 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.33% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DELTA DENTAL | $41K | — | $41K | 10.00% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $21K | $2K | $22K | 12.66% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $21K | $1K | $22K | 15.01% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $57 | $3K | 12.14% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 132 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $986 | $135 | $1K | 30.02% |
| VARIOUS - SEE ATTACHED3 Filed as: ALFAC - MULTIPLE PAYEES | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $111 | $0 | $111 | 12.33% |
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 | 756 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 759 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,132 | $1.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 756 | $694K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 756 | $694K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 756 | $694K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | GARDEN STATE LIFE INSURANCE COMPANY | 626 | $1.1M |
| Other(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 756 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,132 | — |
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.