| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, LLC | SIX CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 30328 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 20.00% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $18 | $18 | 0.02% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $951 | $0 | $951 | 9.21% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITS AT WORK, INC. | 3000 WINDY HILL ROAD SE SUITE 672617 MARIETTA, GA 30006 | WELLFLEET | $847 | $0 | $847 | 8.21% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER AND CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | WELLFLEET | $249 | $0 | $249 | 2.41% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, LLC | SIX CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 30328 | WELLFLEET | $103 | $0 | $103 | 1.00% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITS AT WORK, INC. | 3000 WINDY HILL ROAD SE SUITE 672617 MARIETTA, GA 30006 | WELLFLEET | $1K | $0 | $1K | 13.53% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $789 | $0 | $789 | 8.27% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, LLC | SIX CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 30328 | WELLFLEET | $506 | $0 | $506 | 5.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER AND CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | WELLFLEET | $137 | $0 | $137 | 1.44% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITS AT WORK, INC. | 3000 WINDY HILL ROAD SE SUITE 672617 MARIETTA, GA 30006 | PROSPERITY LIFE GROUP | $427 | $0 | $427 | 7.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER AND CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | PROSPERITY LIFE GROUP | $102 | $0 | $102 | 1.76% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY, LLC | SIX CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 30328 | PROSPERITY LIFE GROUP | $84 | $0 | $84 | 1.45% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 105 | $82K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 105 | $82K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 105 | $82K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 105 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.