| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, LLC | SIX CONCOURSE PKWY, SUITE 2750 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 15.81% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, LLC | SIX CONCOURSE PKWY, SUITE 2750 ATLANTA, GA 30328 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $11K | $1K | $12K | 15.58% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, LLC | SIX CONCOURSE PKWY, SUITE 2750 ATLANTA, GA 30328 | NATIONAL VISION ADMINISTRATORS, LLC | $923 | $0 | $923 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MGT | Claims processing; Float revenue; Other fees; Direct payment from the plan Service code 12 | — | $246K |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $94K |
| THE BENEFIT COMPANY LLC EIN 06-1740690 BROKER | Other commissions Service code 55 | SIX CONCOURSE PKWY, NE, SUITE 2750 ATLANTA, GA 30328 | $33K |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $100K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 153 | $9K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 243 | $77K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 243 | $77K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 243 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.