| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENCORE ADVISORS3 Filed as: ENCORE ADVISORS LLC | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $251 | $3K | 16.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ENCORE ADVISORS BROKER | Insurance agents and brokers Service code 22 | 4855 RIVER GREEN PARKWAY #330 DULUTH, GA 30096 | $34K |
| HEALTHIEST YOU EIN 30-0947669 TELEHEALTH & WELLNESS AD | Claims processing Service code 12 | — | $531 |
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CARRIER | Claims processing Service code 12 | — | -$14K |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 56 | $65K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 56 | $65K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 56 | $65K |
| Stop-loss / reinsurancereinsurance | ALLSAVERS INSURANCE COMPANY | 56 | $322K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 56 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 56 | — |
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.