| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CMR5 | 1709A GORNTO RD #128 VALDOSTA, GA 31601 | TOKIO MARINE/HCC | $0 | $93K | $93K | 73.37% |
| GLOBALCARE/ZELIS0 | PO BOX 743856 ATLANTA, GA 30374 | TOKIO MARINE/HCC | $0 | $19K | $19K | 15.06% |
| COHAN BENEFITS GROUP3 | 4062 PEACHTREE RD STE A432 ATLANTA, GA 30319 | TOKIO MARINE/HCC | $7K | $0 | $7K | 5.22% |
| MEDWATCH LLC0 Filed as: MEDWATCH | PO BOX 21796 TAMPA, FL 33630 | TOKIO MARINE/HCC | $0 | $5K | $5K | 4.13% |
| DAVEVIC BENEFIT CONSULTANTS, INC.3 Filed as: DAVEVIC BENEFIT CONSULT | 902 SOUTH CENTER ST PO BOX 976 GROVE CITY, PA 16127 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | $917 | $6K | 12.02% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1028 FREEDOM ST LITITZ, PA 17543 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | $0 | $48 | 5.12% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HELMBOLD & STEWART | 12 SOUTH 3RD STREET CLEARFIELD, PA 16830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 3.52% |
| ASHLY ELCOCK3 | 200 TATTLETOWN RD AARONSBURG, PA 16820 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.53% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DR CTR II STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $0 | $211 | $211 | — |
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 | 96 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE/HCC | 96 | $126K |
| Dental | TOKIO MARINE/HCC | 96 | $126K |
| Vision | TOKIO MARINE/HCC | 96 | $126K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 158 | $46K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 158 | $46K |
| Prescription drug | TOKIO MARINE/HCC | 96 | $126K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 142 | $938 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.