| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAN-AMERICAN LIFE3 Filed as: PAN AMERICAN LIFE | 3810 PHEASANT RIDGE DRIVE NE SUITE 300 MINNEAPOLIS, MN 55449 | 90 DEGREES | $309K | $0 | $309K | 38.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | 90 DEGREES | $45K | $0 | $45K | 5.63% |
| CORPORATE BENEFITS SERVICE, INC.3 Filed as: CORPORATE BENEFITS SERVICE | PO BOX 11937 CHARALOTTE, NC 28220 | 90 DEGREES | $30K | $0 | $30K | 3.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $0 | $22K | 10.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 12.86% |
| JENNIFER CARNAHAN3 Filed as: JENNIFER N. CARNAHAN | 1718 PARDEE DRIVE KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.39% |
| DARYL PERRY3 Filed as: DARYL EDWARD PERRY | 18 WATERS EDGE DRIVE SE ACWORTH, GA 30102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.60% |
| MICHELLE CAROLYN FLORES-METCALFE3 | 786 HELM LANE NW KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $749 | $0 | $749 | 3.12% |
| DANIEL E ZECKMAN3 Filed as: DANIEL E. ZECKMAN | 430 DEEPSTREAM XING CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $453 | $0 | $453 | 1.89% |
| JOHN P KOWN II3 Filed as: JOHN PHILLIP KOWN | 1226 BONSHAW TRAIL MARIETTA, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $447 | $0 | $447 | 1.86% |
| ANGELICA SAMANIEGO3 Filed as: ANGELICA SAMANIEGO AND OTHER AGENTS | 729 NORTH STEELE DRIVE HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | 90 DEGREES | 67 | $798K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $197K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $197K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $197K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $197K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $197K |
| Prescription drug | 90 DEGREES | 67 | $798K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 164 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.