| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS-BSC LLC DBA TOTEM SOLUTIONS3 Filed as: DS BSC LLC | STE 250 ALPHARETTA, GA 30005 | AMERICAN UNITED LIFE INSURANCE COMPANY | $30K | $10K | $39K | 12.41% |
| DBSC DBA TOTEM SOLUTIONS3 | — | COMBINED INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 19.47% |
| DS-BSC LLC DBA TOTEM SOLUTIONS3 Filed as: DS-BSC, LLC, DBA TOTEM SOLUTIONS | 6655 TOWN SQ STE 250 ALPHARETTA, GA 300054026 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 10.00% |
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 | 385 | 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) | 385 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 591 | $35K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 385 | $317K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 385 | $317K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 385 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 591 | — |
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.