| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER AND CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 13.41% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PARKWAY NE, SUITE 2750 ATLANTA, GA 30328 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.47% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PARKWAY NE , SUITE 2750 ATLANTA, GA 30328 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.12% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITS AT WORK, INC. | 3000 WINDY HILL ROAD SE SUITE 672617 MARIETTA, GA 30006 | WELLFLEET | $10K | $0 | $10K | 43.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER AND CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | WELLFLEET | $5K | $0 | $5K | 21.81% |
| BAFFIN BAY MARKETING GROUP, LLC3 | PO BOX 161690 AUSTIN, TX 78716 | WELLFLEET | $2K | $0 | $2K | 8.53% |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS, INC. | 6255 TOWNCENTER DRIVE, SUITE 1561 CLEMMONS, NC 27012 | WELLFLEET | $2K | $0 | $2K | 7.85% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | PO BOX 16190 AUSTIN, TX 78716 | WELLFLEET | $2K | $0 | $2K | 6.47% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PARKWAY NE, SUITE 2750 ATLANTA, GA 30328 | WELLFLEET | $34 | $0 | $34 | 0.14% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITS AT WORK, INC. | 3000 WINDY HILL ROAD SE SUITE 672617 MARIETTA, GA 30006 | PROSPERITY LIFE GROUP | $4K | $0 | $4K | 42.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER AND CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | PROSPERITY LIFE GROUP | $2K | $0 | $2K | 22.03% |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS, INC. | 6255 TOWNCENTER DRIVE, SUITE 1561 CLEMMONS, NC 27012 | PROSPERITY LIFE GROUP | $437 | $0 | $437 | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER AND CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $650 | $2K | — |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,045 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,045 | $0 |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,045 | $114K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $114K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 146 | $114K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,045 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,045 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.