| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | AETNA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.31% |
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY EAST SUITE 100 ATLANTA, GA 30346 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $6K | $20K | 19.12% |
| NATIONAL BENEFITS CENTER LLC3 Filed as: NATIONAL BENEFITS CENTER | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.82% |
| AIA AMERICAN INS ADMINISTRATORS LLC5 Filed as: AIA AMERICAN INSURANCE ADMINISTRATO | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.62% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 2500 CUMBERLAND PARKWAY, SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.09% |
| CHAMPION BENEFITS3 | 1455 LINCOLN PARKWAY SUITE 100 ATLANTA, GA 30346 | METROPOLITAN GENERAL INSURANCE COMPANY | $255 | $9 | $264 | 9.16% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 2500 CUMBERLAND PARKWAY, SUITE 400 ATLANTA, PA 30339 | METROPOLITAN GENERAL INSURANCE COMPANY | $33 | $0 | $33 | 1.15% |
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 | 53 | 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) | 53 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 64 | $707K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $107K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $107K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $107K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $107K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $107K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 64 | $707K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 64 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.