| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MAINSAIL CONSULTING GROUP | 1155 ALGOOD RD STE 3 MARIETTA, GA 30062 | GREAT AMERICAN INSURANCE COMPANY | $14K | — | $14K | 6.28% |
| MAINSAIL CONSULTING GROUP | 1155 ALGOOD RD STE 3 MARIETTA, GA 30062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MAINSAIL CONSULTING GROUP | 1155 ALGOOD RD STE 3 MARIETTA, GA 30062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MAINSAIL CONSULTING GROUP | 1155 ALGOOD RD STE 3 MARIETTA, GA 30062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MAINSAIL CONSULTING GROUP | 1155 ALGOOD RD STE 3 MARIETTA, GA 30062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MAINSAIL CONSULTING GROUP | 1155 ALGOOD RD STE 3 MARIETTA, GA 30062 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MARPAI ADMINISTRATORS EIN 38-3919227 | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | 615 CHANNELSIDE DRIVE STE 207 TAMPA, FL 33602 | $326K |
| RADION HEALTH EIN 46-4424095 | Direct payment from the plan; Claims processing Service code 12 | 1421 SONIAT STREET NEW ORLEANS, LA 70115 | $19K |
| CIGNA LIFE INSURANCE COMPANY EIN 59-1031071 | Claims processing; Direct payment from the plan Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $7K |
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 | 38 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 38 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | GREAT AMERICAN INSURANCE COMPANY | 38 | $231K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 50 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.