| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLARITY BENEFIT CONSULTING LLC3 | 1120 SANCTURAY PKWY STE 375 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.90% |
| USI INSURANCE SERVICES LLC3 | 1120 MADISON AVENUE TOLEDO, OH 43604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.33% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | MINNESOTA LIFE INSURANCE COMPANY | $344 | $161 | $505 | 3.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 1120 MADISON AVENUE TOLEDO, OH 43604 | MINNESOTA LIFE INSURANCE COMPANY | $344 | $0 | $344 | 2.62% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GRP LLC | 1120 SANCTUARY PKWAY SUITE 375 ALPHARETTA, GA 30009 | MINNESOTA LIFE INSURANCE COMPANY | $0 | $72 | $72 | 0.55% |
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 | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARAMOUNT INSURANCE COMPANY | 548 | $109K |
| Dental | DELTA DENTAL OF OHIO | 625 | $193K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 177 | $21K |
| Life insurance | MINNESOTA LIFE INSURANCE COMPANY | 375 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 306 | $45K |
| Prescription drug | PARAMOUNT INSURANCE COMPANY | 548 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 625 | — |
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."
No prospect flags tripped on this filing.