| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELF VENTURES, LLC3 Filed as: ELF VENTURES, LLC DBA INTREPID | 400 INTERSTATE N PARKWAY SUITE 300 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $53K | $5K | $58K | 5.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN'L SVCS | 4851 LBJ FREEWAY SUITE 1100 DALLAS, TX 75244 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $18K | $0 | $18K | 1.82% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY #300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $5K | $13K | 17.10% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY #300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 19.55% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY #300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURCANCE COMPANY | $5K | $1K | $6K | 19.24% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY #300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $477 | $3K | 17.97% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY #300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $330 | $2K | 12.11% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY #300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $534 | $2K | 19.23% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 232 | $979K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $77K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $13K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURCANCE COMPANY | 55 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $32K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 212 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.