| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | 1100 JOHNSON FERRY RD CENTER 2 SUITE ATLANTA, GA 30342 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $41K | — | $41K | 5.23% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC. | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $571 | — | $571 | 0.07% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $2K | $9K | 11.29% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 29201 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $3K | $7K | 8.33% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $533 | $5K | 15.76% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $2K | 8.35% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $213 | $2K | 17.45% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $533 | $426 | $959 | 8.32% |
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 |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 90 | $81K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 90 | $81K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $16K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $29K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $16K |
| 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.