| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD #122 ACWORTH, GA 30101 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.05% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | P.O. BOX 948 HENRIETTA, NY 14467 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $367 | $4K | 2.21% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNITED HEALTHCARE INSURANCE COMPANY | $10K | $89 | $10K | 6.37% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | 150 SAWGRASS DR ROCHESTER, NY 14620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 5.52% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD #122 ACWORTH, GA 30101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.15% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 6.86% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.87% |
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 | 418 | 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) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 49 | $159K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 777 | $195K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 777 | $195K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 777 | $195K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 392 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 352 | $45K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 49 | $159K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 777 | $195K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 777 | — |
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.