| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STAFFWORKS BENEFIT GROUP, INC.3 Filed as: STAFFWORKS BENEFIT GROUP INC | 3554 OLD MILTON PKWY ALPHARETTA, GA 30005 | HUMANA INSURANCE COMPANY | $171K | — | $171K | 5.16% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER A BELTZ | LEVEL B 2055 CROOKS RD ROCHESTER HLS, MI 48309 | HUMANA INSURANCE COMPANY | $19K | — | $19K | 0.56% |
| VENFITS LLC3 | — | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $64K | $73K | 2.29% |
| CHRISTOPHER HAGER3 Filed as: CHRISTOPHER A BELTZ | SUITE 104 111 W LONG LAKE RD TROY, MI 48098 | HUMANA HEALTH INSURANCE COMPANY | $106K | — | $106K | 4.64% |
| STAFFWORKS BENEFIT GROUP, INC.3 Filed as: STAFFWORKS BENEFIT GROUP INC | — | HUMANA HEALTH INSURANCE COMPANY | $34K | — | $34K | 1.50% |
| INSURASOURCE INC3 | 1111 W LONG LAKE RD TROY, MI 48098 | HUMANA HEALTH INSURANCE COMPANY | $86 | — | $86 | 0.00% |
| VENIFITS LLC3 | 2425 COMMERCE AVE STE 300 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 9.20% |
| INSURANCE APPLICATIONS GROUP3 | — | PLANNED ADMINISTRATORS INC | $32K | — | $32K | 19.78% |
| VENEFITS, LLC3 | — | VISION SERVICE PLAN | $1K | — | $1K | 1.71% |
| VENEFITS, LLC3 | 2600 W. GERONIMO PL #60 CHANDLER, AZ 85224 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.54% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.59% |
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 | 1,096 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,096 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | HUMANA INSURANCE COMPANY | 1,084 | $9.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,096 | $348K |
| Vision(2 contracts, 2 carriers) | PLANNED ADMINISTRATORS INC | 390 | $238K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,096 | $415K |
| Short-term disability | PLANNED ADMINISTRATORS INC | 149 | $161K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,096 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,096 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.