| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 3715 NORTHSIDE PARKWAY ATLANTA, GA 30327 | MERCYCARE INSURANCE COMPANY | $3K | — | $3K | 2.32% |
| MARK METTILLE3 Filed as: MARK CONNER | IRONWOOD BENEFIT ADVISORY SVCES LLC 55 IVAN ALLENJR BLVD SUITE 810 ATLANTA, GA 30308 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.15% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $870 | — | $870 | 0.85% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $98 | $98 | 0.10% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY SERVICE | 3715 NORTHSIDE PARKWAY SUITE 1500 ATLANTA, GA 30327 | DEAN HEALTH PLAN | $1K | — | $1K | 1.29% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 3715 NORTHSIDE PARKWAY BLDG 100 STE 500 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | — | $75 | $75 | 0.09% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 3715 NORTHSIDE PARKWAY NW ATLANTA, GA 30327 | VISION SERVICE PLAN | $777 | — | $777 | 3.86% |
| CREATIVE BENEFITS, INC.3 Filed as: CREATIVE BENEFIT SOLUTIONS LLC | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 480982609 | VISION SERVICE PLAN | $357 | — | $357 | 1.77% |
| MARK METTILLE3 Filed as: MARK CONNER | 3715 NORTHSIDE PARKWAY NW SUITE 1-500 ATLANTA, GA 30327 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2 | $2 | 1.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM EIN 56-1449504 TPA | Consulting (general); Other fees; Float revenue; Insurance services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 12 | — | $79K |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 CLAIMS ADMIN | Claims processing; Contract Administrator; Consulting (general); Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $990 |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIMERICA INSURANCE COMPANY | 170 | $564K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 401 | $83K |
| Vision | VISION SERVICE PLAN | 161 | $20K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 309 | $103K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $159 |
| Other(2 contracts, 2 carriers) | MERCYCARE INSURANCE COMPANY | 309 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.