| 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 | $74K | $0 | $74K | 5.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN'L SVCS | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $25K | $0 | $25K | 1.98% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY #300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $1K | $12K | 11.20% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY #300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURCANCE COMPANY | $6K | $754 | $7K | 16.84% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY #300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $769 | $7K | 16.88% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY #300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $407 | $4K | 16.90% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY #300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $189 | $2K | 10.97% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY #300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $305 | $3K | 16.87% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 242 | $1.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $110K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURCANCE COMPANY | 58 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 87 | $41K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 220 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.