| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY INC | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 4.94% |
| RESOURCE ALLIANCE LLC3 | 1725 WINDWARD CONCOURSE SUITE 100 ALPHARETTA, GA 30005 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.27% |
| WALDORFF INSURANCE & BONDING INC3 | 45 NE EGLIN PARKWAY SUITE 202 FORT WALTON BEACH, FL 32548 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.42% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 14.24% |
| TONYA S LANCASTER3 | 1820 THE EXCHANGE SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.92% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY INC | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.35% |
| CINDY WILLIAMS3 Filed as: CINDY T WILLIAMS | 1925 CATAMARAN DRIVE NAVARRE, FL 32566 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.33% |
| BRENDA DELONG BENARY3 Filed as: BRENDA J DELONG | 941 SE WAITERS TERRACE PORT SAINT LUCIE, FL 32548 | TRANSAMERICA LIFE INSURANCE COMPANY | $880 | $0 | $880 | 0.75% |
| WALDORFF INSURANCE & BONDING INC3 | 45 NE EGLIN PARKWAY SUITE 202 FORT WALTON BEACH, FL 32548 | TRANSAMERICA LIFE INSURANCE COMPANY | $763 | $0 | $763 | 0.65% |
| ROBERT FISH3 Filed as: ROBERT M FISH | 450 PARK PLACE COURT SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE COMPANY | $111 | $0 | $111 | 0.09% |
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 | 515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 520 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,530 | $368K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,530 | $368K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,530 | $485K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,530 | $368K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,530 | $485K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,530 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.