| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A2 HOLDINGS, LLC3 Filed as: A2 HOLDINGS LLC | 887 WEST MARIETTA STREET SUITE N-108 ATLANTA, GA 30318 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 7.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HARTFORD LIFE AND ACCIDENT | $2K | $2K | $4K | 3.56% |
| A2 HOLDINGS, LLC3 Filed as: A2 HOLDINGS LLC | 887 WEST MARIETTA STREET SUITE N-108 ATLANTA, GA 30318 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ATLANTA, GA 30339 | VISION SERVICE PLAN | $377 | $0 | $377 | 1.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 29848 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $991 | $0 | $991 | 8.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 WEST MARIETTA STREET STUDIO N108 ATLANTA, GA 30318 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $703 | $0 | $703 | 6.18% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFITS PROGRAMS INC | 897 12TH STREET HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $191 | $0 | $191 | 1.68% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 28852 NEW YORK, NY 10087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $55 | $55 | 0.48% |
| VOLUNTARY INS GROUP INC3 | 231 SW 63RD TERRACE PEMBROKE PINES, FL 33023 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GA, INC. | 29727 NETWORK PLACE CHICAGO, IL 60673 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.06% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 114 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 169 | $106K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 169 | $106K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 169 | $106K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 169 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.