| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POINTENORTH INSURANCE GROUP3 | PO BOX 724728 1100 CIRCLE 75 PARKWAY SOUTHEAST SU ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.55% |
| POINTENORTH INSURANCE GROUP3 | PO BOX 724728 ATLANTA, GA 31139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 2.30% |
| POINTENORTH INSURANCE GROUP3 | PO BOX 724728 1100 CIRCLE 75 PARKWAY SOUTHEAST SU ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.89% |
| POINTENORTH INSURANCE GROUP3 | PO BOX 724728 ATLANTA, GA 31139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $662 | $662 | 1.60% |
| POINTENORTH INSURANCE GROUP3 | PO BOX 724728 1100 CIRCLE 75 PARKWAY SOUTHEAST SU ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.66% |
| POINTENORTH INSURANCE GROUP3 | PO BOX 724728 ATLANTA, GA 31139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $619 | $619 | 1.90% |
| POINTENORTH INSURANCE GROUP3 | PO BOX 724728 ATLANTA, GA 31139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| POINTENORTH INSURANCE GROUP3 | PO BOX 724728 1100 CIRCLE 75 PARKWAY SOUTHEAST SU ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $548 | $548 | 3.28% |
| POINTENORTH INSURANCE GROUP3 | PO BOX 724728 ATLANTA, GA 31139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 9.84% |
| POINTENORTH INSURANCE GROUP3 | PO BOX 724728 1100 CIRCLE 75 PARKWAY SOUTHEAST SU ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $493 | $493 | 3.70% |
| POINTENORTH INSURANCE GROUP3 | PO BOX 724728 ATLANTA, GA 31139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 14.99% |
| POINTENORTH INSURANCE GROUP3 | PO BOX 724728 1100 CIRCLE 75 PARKWAY SOUTHEAST SU ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $438 | $438 | 4.06% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 70 | $1.8M |
| Dental | HUMANA INSURANCE COMPANY | 147 | $147K |
| Vision | HUMANA INSURANCE COMPANY | 147 | $147K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $55K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 100 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $57K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 30 | $347K |
| Other(6 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 219 | $449K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.