| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRADEN BENEFIT STRATEGIES, INC.3 Filed as: BRADEN BENEFITS STRATEGIES, INC. | 3325 PADDOCKS PARKWAY STE 170 SUWANEE, GA 30024 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | $1 | $32K | 5.22% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP LLC GA | 504 ROYALL AVE MOUNT PLEASANT, SC 29464 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 2.22% |
| BRADEN BENEFIT STRATEGIES, INC.3 Filed as: BRADEN BENEFITS STRATEGIES, INC. | 3325 PADDOCKS PARKWAY STE 170 SUWANEE, GA 30024 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 14.86% |
| BRADEN BENEFIT STRATEGIES, INC.3 Filed as: BRADEN BENEFITS STRATEGIES, INC. | 3325 PADDOCKS PARKWAY STE 170 SUWANEE, GA 30024 | FRESHBENIES | $546 | — | $546 | 18.05% |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $622K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $622K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $622K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $61K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $61K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $61K |
| Other | FRESHBENIES | 8 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.