| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HCC LIFE INSURANCE COMPANY | 225 TOWNPARK DRIVE SUITE 350 KENNESAW, GA 30144 | TOKIO MARINE HCC STOP LOSS GROUP | — | $838K | $838K | — |
| BIA BENEFITS CONSULTING LLC | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | GUARDIAN | $48K | $9K | $57K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BIA BENEFITS CONSULTING LLC EIN 20-8266101 INSURANCE BROKER AGENT | Insurance agents and brokers Service code 22 | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | $0 |
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 | 303 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE HCC STOP LOSS GROUP | 309 | $0 |
| Dental | GUARDIAN | 293 | $0 |
| Vision | GUARDIAN | 293 | $0 |
| Life insurance | GUARDIAN | 293 | $0 |
| Short-term disability | GUARDIAN | 293 | $0 |
| Long-term disability | GUARDIAN | 293 | $0 |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC STOP LOSS GROUP | 309 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.