| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POINTENORTH INSURANCE GROUP5 | PO BOX 724728 1100 CIRCLE 75 PKWAY SUITE 140 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $967 | $967 | 2.89% |
| POINTENORTH INSURANCE GROUP5 | PO BOX 724728 1100 CIRCLE 75 PKWY SUITE 140 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $850 | $850 | 2.84% |
| POINTENORTH INSURANCE GROUP5 | PO BOX 724728 1100 CIRCLE 75 PKWY SUITE 140 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $462 | $462 | 2.04% |
| POINTENORTH INSURANCE GROUP5 | PO BOX 724728 1100 CIRCLE 75 PKWY SUITE 140 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 18.91% |
| POINTENORTH INSURANCE GROUP3 | PO BOX 724728 1100 CIRCLE 75 PKWY SUITE 140 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $882 | — | $882 | 15.01% |
| POINTENORTH INSURANCE GROUP3 | PO BOX 724728 1100 CIRCLE 75 PKWY SUITE 140 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $742 | — | $742 | 15.00% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 128 | $79K |
| Vision(2 contracts) | HUMANA INSURANCE COMPANY | 128 | $92K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $23K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $33K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 172 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.