| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE BENEFIT SOLUTIONS LLC3 | 1411 DUTCH VALLEY PLACE NE ATLANTA, GA 30324 | AETNA LIFE INSURANCE CO. | — | $11K | $11K | 1.00% |
| CORE BENEFIT SOLUTIONS LLC3 | 1411 DUTCH VALLEY PL ATLANTA, GA 30324 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 7.88% |
| CORE BENEFIT SOLUTIONS LLC3 | 1411 DUTCH VALLEY PL ATLANTA, GA 30324 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 16.96% |
| CORE BENEFIT SOLUTIONS LLC3 | 1411 DUTCH VALLEY PL ATLANTA, GA 30324 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 16.73% |
| CORE BENEFIT SOLUTIONS LLC3 | 1411 DUTCH VALLEY PL ATLANTA, GA 30324 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 11.85% |
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 | 268 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 237 | $1.1M |
| Dental | STANDARD INSURANCE COMPANY | 163 | $77K |
| Vision | STANDARD INSURANCE COMPANY | 119 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 268 | $24K |
| Long-term disability | STANDARD INSURANCE COMPANY | 268 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.