| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT SYSTEM INC Filed as: ADVANCED INSURANCE STRATEGIES LLC | PO BOX 709 DALTON, GA 30722 | AETNA | $44K | — | $44K | 4.49% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED INSURANCE STRATEGIES LLC | PO BOX 709 DALTON, GA 30722 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.65% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 5110 N 40TH ST STE 234 PHOENIX, AZ 85018 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.29% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED INSURANCE STRATEGIES LLC | 300 W EMERY ST STE205 DALTON, GA 30720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED INSURANCE STRATEGIES LLC | 300 W EMERY ST STE 205 DALTON, GA 30720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED INSURANCE STRATEGIES LLC | 300 W EMERY ST STE 205 DALTON, GA 30720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ADVANCED INSURANCE STRATAGIES LLC3 | 300 W EMERY ST STE 205 DALTON, GA 30720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| ADVANCE INSURANCE STRATEGIES LLC3 | 300 W EMERY ST STE 205 DALTON, GA 30720 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 172 | $980K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 347 | $90K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 183 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.