| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | AMERITAS LIFE INSURANCE CORP | $6K | $142 | $6K | 10.23% |
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUCENT HEALTH SOLUTIONS EIN 39-1997579 ADMIN | Claims processing Service code 12 | — | $32K |
| BIA BENEFITS CONSULTING LLC EIN 20-8266101 AGENT | Custodial (securities) Service code 19 | PO BOX 460 ROSSVILLE, GA 30741 | $30K |
| CONNECTICUT GENERAL PPO CHARGE | Other fees Service code 99 | PO BOX 645014 CINCINNATI, OH 45264 | $14K |
| CAREOPERATIVE EIN 46-4399706 HCBB | Other fees Service code 99 | — | $2K |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 73 | $61K |
| Vision | AMERITAS LIFE INSURANCE CORP | 73 | $61K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $47K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $47K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 78 | $355K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 135 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.