| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097614 | METROPOLITAN LIFE INSURANCE COMPANY | — | $89 | $89 | 0.01% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 W STATE ROAD 434 LONGWOOD, FL 327505069 | METROPOLITAN LIFE INSURANCE COMPANY | — | $50 | $50 | 0.01% |
| BERNIE FALCO3 | 1855 W STATE RD 434 LONGWOOD, FL 32750 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24K | — | $24K | 16.31% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES NATIONAL, INC. | 580 N 4TH SUITE 400 COLUMBUS, OH 43215 | NATIONAL UNION FIRE INS CO OF PITTSBURGH PA | $3K | — | $3K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES NATIONAL, INC. | 580 N 4TH SUITE 400 COLUMBUS, OH 43215 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $695 | — | $695 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD EIN 59-2015694 CLAIMS PROCESSING | Claims processing Service code 12 | — | $675K |
| LIFEWORKS US INC EIN 81-1114266 OTHER SERVICES | Other services Service code 49 | 201 17TH ST NW, SUITE 630 ATLANTA, GA 30363 | $56K |
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 | 1,215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 854 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,069 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 3 | $13K |
| Dental | AETNA LIFE INSURANCE COMPANY | 3 | $13K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 971 | $125K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,069 | $761K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,189 | $499K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 676 | $154K |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 1,150 | $718K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,069 | $936K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,069 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.