| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JORGE ESCALA3 Filed as: JORGE L ESCALA | 2169 ARBOR HILL ROAD CANTON, GA 30115 | AETNA LIFE INSURANCE CO. | $164K | — | $164K | 6.52% |
| JORGE ESCALA3 | 2169 ARBOR HILL ROAD CANTON, GA 30115 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 9.97% |
| EMPLOYER BENEFITS CONSULTING LLC3 | 13200 SW 128 STREET BLDG G MIAMI, FL 33186 | HARTFORD LIFE AND ACCIDENT | $31K | — | $31K | 15.00% |
| EXCELSIOR BENEFITS LLC3 | 441 2ND STREET EXCELSIOR, MN 55331 | TRANSAMERICA INSURANCE CO. | $28K | $0 | $28K | 18.05% |
| JORGE ESCALA3 | 2450 SW 102ND PL MIAMI, FL 33165 | TRANSAMERICA INSURANCE CO. | $23K | $0 | $23K | 15.04% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $0 | $19K | $19K | 11.96% |
| WEB TPA5 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | TRANSAMERICA INSURANCE CO. | — | $8K | $8K | 5.33% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE INSURANCE SERVICES INC | 4135 N FRONT ST HARRISBURG, PA 17110 | PRINCIPAL LIFE INSURANCE COMPANY | $195 | — | $195 | 3.19% |
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 | 279 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 279 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $225K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 343 | $204K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 343 | $211K |
| Other | HARTFORD LIFE AND ACCIDENT | 343 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.