| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC DBA INTREPID | 400 INTERSTATE N PKWY #600 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $93K | $0 | $93K | 18.29% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY SUITE 600 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $1K | $23K | 10.62% |
| ELF VENTURES, LLC3 | 400 INTERSTATE N. PKWY. SUITE 600 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $8K | 6.21% |
| ELF VENTURES, LLC3 | 400 INTERSTATE N. PKWY. SUITE 600 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $1K | $15K | 16.22% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY SUITE 600 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $256 | $2K | 5.61% |
| ELF VENTURES, LLC3 | 400 INTERSTATE N. PKWY. SUITE 600 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $403 | $2K | 6.19% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N. PKWY. SUITE 600 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $294 | $3K | 16.45% |
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 | 730 | 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) | 730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 485 | $508K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 397 | $218K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 312 | $42K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 730 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 729 | $132K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 729 | $94K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 485 | $508K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 730 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.