| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE NORTH PKWY SE STE 300 ATLANTA, GA 303395000 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $159K | $159K | 4.78% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PKWY NE STE 700 ATLANTA, GA 03028 | UNITEDHEALTHCARE INSURANCE COMPANY | $9 | $16K | $16K | 0.48% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC DBA INTREPID | 400 INTERSTATE NORTH PKWY SE STE 300 ATLANTA, GA 303395000 | METROPOLITAN LIFE INSURANCE COMPANY | $59K | $44 | $59K | 9.78% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE NORTH PKWY SE STE 300 ATLANTA, GA 303395000 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | $0 | $51K | 8.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 234662819 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $223 | $3K | 0.58% |
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 | 1,615 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 876 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,169 | $604K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,169 | $604K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,169 | $604K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,169 | $604K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,169 | $604K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 2,169 | $604K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,169 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.