| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENCORE ADVISORS3 | 4855 RIVER GREEN PARKWAY SUITE 330 DULUTH, GA 30096 | HUMANA INSURANCE COMPANY | $27K | $3K | $30K | 4.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHIEST YOU EIN 30-0947669 TELEHEALTH & WELLNESS AD | Claims processing Service code 12 | — | $420 |
| ENCORE ADVISORS BROKER | Insurance agents and brokers Service code 22 | 4855 RIVER GREEN PARKWAY #330 DULUTH, GA 30096 | $63 |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 210 | $651K |
| Dental | HUMANA INSURANCE COMPANY | 210 | $651K |
| Vision | HUMANA INSURANCE COMPANY | 210 | $651K |
| Life insurance | HUMANA INSURANCE COMPANY | 210 | $651K |
| Other | HUMANA INSURANCE COMPANY | 210 | $651K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.