| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTOPHER SCHOTT3 | 1117 PERIMETER CENTER WEST ATLANTA, GA 30338 | HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $201K | $26K | $226K | 20.59% |
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 300044016 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | — | $35K | 3.20% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $172K | $4K | $177K | 18.35% |
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 300044016 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $0 | $30K | 3.16% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | $83K | $2K | $85K | 17.90% |
| CHRISTOPHER SCHOTT3 | 12285 BROADWELL RD ALPHARETTA, GA 300044016 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 3.08% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITSFOCUS.COM, INC. | DEPT. 3383 PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | — | $1K | $1K | 0.95% |
| HOORAY HEALTH LLC3 | 14755 PRESTON RD. SUITE 130 DALLAS, TX 75254 | NATIONAL GUARDIAN LIFE INSURANCE | $10K | — | $10K | 11.74% |
| EOB CONSULTING LLC3 Filed as: EOB CONSULTING, LLC | 12285 BROADWELL RD ALPHARETTA, GA 30004 | NATIONAL GUARDIAN LIFE INSURANCE | $6K | — | $6K | 7.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS PHARMACY, INC. EIN 05-0340626 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $26.0M |
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $7.9M |
| DELTA DENTAL OF TENNESSEE EIN 62-0812197 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $320K |
| REED GROUP MANAGEMENT LLC EIN 13-5123390 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $195K |
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 | 37,194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 37,194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 37,194 | $3.6M |
| Vision | VISION SERVICE PLAN | 10,377 | $1.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 23,761 | $3.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 23,761 | $3.2M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 23,761 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 37,194 | — |
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.