| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE Filed as: STRATEGIC BENEFIT RESOURCES | 2839 PACES FERRY RD SE SUITE 830 ATLANTA, GA 30339 | GRANULAR INSURANCE COMPANY | $29K | — | $29K | 7.00% |
| INSURANCE PARTNERS AGENCY INC3 Filed as: INSURANCE PARTNERS AGENCY LLC | 26865 CENTER RIDGE RD WESTLAKE, OH 44145 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.18% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.49% |
| ENROLLEASE3 Filed as: ONEDIGITAL EXPRESSLINK | 200 GALLERIA PKWY SE STE 1950 DIGITAL INSURANCE INC ATLANTA, GA 30339 | METROLPOLITAN LIFE INSURANCE COMPANY | $964 | $50 | $1K | 4.91% |
| SELF FUNDED PLANS AGENCY INC3 Filed as: SELF-FUNDED PLANS AGENCY INC | 6000 LOMBARDO CTR STE 201B SEVEN HILLS, OH 44131 | METROLPOLITAN LIFE INSURANCE COMPANY | $180 | — | $180 | 0.87% |
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 | 399 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GRANULAR INSURANCE COMPANY | 395 | $418K |
| Dental | GRANULAR INSURANCE COMPANY | 395 | $418K |
| Vision | GRANULAR INSURANCE COMPANY | 395 | $418K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 479 | $58K |
| Short-term disability | GRANULAR INSURANCE COMPANY | 395 | $418K |
| Prescription drug | GRANULAR INSURANCE COMPANY | 395 | $418K |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 395 | $418K |
| Other | METROLPOLITAN LIFE INSURANCE COMPANY | 479 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.