| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELF VENTURES, LLC3 | 400 INTERSTATE N. PKWY. SUITE 600 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.79% |
| ELF VENTURES, LLC3 | 400 INTERSTATE N. PKWY. SUITE 300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $5K | $11K | 16.96% |
| ELF VENTURES, LLC3 | 400 INTERSTATE N. PKWY. SUITE 300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $943 | $9K | 16.71% |
| ELF VENTURES, LLC3 | 400 INTERSTATE N. PKWY. SUITE 300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $391 | $3K | 16.99% |
| ELF VENTURES, LLC3 | 400 INTERSTATE N. PKWY. SUITE 300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMAPANY | $2K | $571 | $3K | 18.85% |
| ELF VENTURES, LLC3 | 400 INTERSTATE N. PKWY. SUITE 300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMAPANY | $1K | $227 | $1K | 11.96% |
| ELF VENTURES, LLC3 | 400 INTERSTATE N. PKWY. SUITE 300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMAPANY | $666 | $173 | $839 | 18.90% |
| ELF VENTURES, LLC3 | 400 INTERSTATE NORTH PKWY. SUITE 600 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $6K | $0 | $6K | — |
| ELF VENTURES, LLC3 | 400 INTERSTATE N. PKWY. SUITE 600 ATLANTA, GA 30339 | GREATER GEORGIA LIFE INSURANCE COMPANY | $105 | $0 | $105 | — |
| ELF VENTURES, LLC3 | 400 INTERSTATE N. PARKWAY SUITE 600 ATLANTA, GA 30339 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $1K | $0 | $1K | — |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 152 | $634K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $67K |
| Vision(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMAPANY | 79 | $12K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMAPANY | 125 | $4K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $55K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 79 | $20K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMAPANY | 125 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.