| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VCG CONSULTANTS LLC3 | 999 PEACHTREE ST NE SUITE 600 ATLANTA, GA 30309 | AETNA LIFE INSURANCE CO | $198K | — | $198K | 5.48% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | AETNA LIFE INSURANCE CO | $11K | — | $11K | 0.31% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY SUITE 600 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY #600 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $2K | $16K | 42.77% |
| VCG CONSULTANTS LLC3 | 3350 RIVERWOOD PARKWAY SUITE #600 ATLANTA, GA 30339 | EYEMED VISION CARE OR FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.27% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | EYEMED VISION CARE OR FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.27% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | EYEMED VISION CARE OR FIDELITY SECURITY LIFE INSURANCE COMPANY | $735 | — | $735 | 2.72% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY SUITE #600 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $747 | $70 | $817 | 21.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACRISURE LLC DBA VCG EIN 26-3554645 BROKER | Other commissions Service code 55 | 999 PEACHTREE ST NE SUITE 1500 ATLANTA, GA 30309 | $48K |
| ACRISURE EIN 26-3554645 BROKER | Other commissions Service code 55 | 3350 RIVERWOOD PKWY ATLANTA, GA 30339 | $22K |
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 | 996 | 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) | 996 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 370 | $3.6M |
| Dental | AETNA LIFE INSURANCE CO | 370 | $3.6M |
| Vision | EYEMED VISION CARE OR FIDELITY SECURITY LIFE INSURANCE COMPANY | 513 | $27K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 583 | $89K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 42 | $76K |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 583 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.