| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COMPASS CONSULTING GROUP INC3 | 200 GALLERIA PKWY SE ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $73K | — | $73K | 6.75% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 303395946 | UNITEDHEALTHCARE INSURANCE COMPANY | $73K | — | $73K | 6.79% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP INC | 5420 LYNDON B JOHNSON FWY STE 1940 DALLAS, TX 752406251 | METROPOLITAN LIFE INSURANCE COMPANY | $152K | $32K | $184K | 19.18% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | FLAGSHIP HEALTH SYSTEMS | $837 | — | $837 | 3.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPASS CONSULTING GROUP NONE | Insurance agents and brokers Service code 22 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | $0 |
| SUMMIT FANANCIAL GROUP INC. NONE | Insurance agents and brokers Service code 22 | 5420 LYNDON B JOHNSON FREEWAY SUITE 725 DALLAS, TX 75240 | $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 | 6,671 | 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) | 6,671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,365 | $153.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,671 | $985K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,671 | $958K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,671 | $958K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,671 | $958K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 6,671 | $958K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,671 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.