| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | 6 CONCOURSE PARKWAY NORTHEAST SUITE 2750 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | 6 CONCOURSE PARKWAY NORTHEAST SUITE 2750 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 11.82% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | MANHATTANLIFE | $1K | — | $1K | 5.90% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | MANHATTANLIFE | $1K | — | $1K | 5.62% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN INC | PO BOX 2260 ALBANY, GA 31702 | MANHATTANLIFE | $771 | — | $771 | 3.23% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN INC | PO BOX 2260 ALBANY, GA 31702 | MANHATTANLIFE | $625 | — | $625 | 2.62% |
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 | 570 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 62 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,006 | $366K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,006 | $366K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,006 | $366K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 778 | $348K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 778 | $348K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 778 | $348K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 778 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,006 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.