| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENDER AND ASSOCIATES3 | 1635 MT MCKINLEY DR GRAYSON, GA 30017 | TPAC UNDERWRITERS INC | $32K | $0 | $32K | 15.32% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 MINNEAPOLIS, MA 55449 | TPAC UNDERWRITERS INC | $6K | $0 | $6K | 3.00% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $483 | $6K | 11.08% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $304 | $6K | 15.84% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $117 | $2K | 15.84% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $525 | $44 | $569 | 10.84% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | UNUM INSURANCE COMPANY | $715 | $68 | $783 | 15.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORPORATE BENEFITS SERVICE DBA 90 D EIN 56-1167792 TPA | Claims processing Service code 12 | — | $27K |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 77 | $58K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 77 | $58K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $5K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $36K |
| Stop-loss / reinsurancereinsurance | TPAC UNDERWRITERS INC | 61 | $210K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.