| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER SCHOTT3 | 1117 PERIMETER CENTER WEST SUITE N ATLANTA, GA 30338 | HARTFORD LIFE AND ACCIDENT | — | $198K | $198K | 4.62% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $320K | $59K | $379K | 17.21% |
| CHRISTOPHER SCHOTT3 | 725 COGDELL RDG MILTON, GA 300047368 | METROPOLITAN LIFE INSURANCE COMPANY | $66K | — | $66K | 3.02% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $298K | $29K | $327K | 28.38% |
| CHRISTOPHER SCHOTT | 725 COGDELL RDG MILTON, GA 300047368 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | — | $39K | 3.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 | Claims processing; Other services Service code 12 | — | $20.8M |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $388K |
| REED GROUP MANAGEMENT LLC EIN 13-5123390 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $296K |
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 | 30,439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 30,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,981 | $4.8M |
| Vision | VISION SERVICE PLAN | 15,563 | $3.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 30,439 | $4.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 30,439 | $4.3M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 30,439 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,439 | — |
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.