| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELF VENTURES, LLC3 | 400 INTERSTATE N PKWY, STE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $38K | $38K | 5.26% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE NORTH PKWY SE STE 300 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $5K | $21K | 16.49% |
| C WALKER SULLIVAN3 | 400 INTERSTATE N PARKWAY SUITE 600 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $4K | $1K | $6K | 10.58% |
| CALLWAY BLACK GRP INC3 | 400 INTERSTATE N PARKWAY SUITE 600 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $877 | $105 | $982 | 1.87% |
| C WALKER SULLIVAN3 | 400 INTERSTATE NORTH PKWY STE 600 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $1K | $295 | $1K | 13.51% |
| CALLAWAY BLACK GRP INC3 | 400 INTERSTATE NORTH PKWY STE 600 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $212 | $25 | $237 | 2.37% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $714K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $130K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $130K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $130K |
| Short-term disability | NORTHWESTERN MUTUAL | 109 | $10K |
| Long-term disability | NORTHWESTERN MUTUAL | 109 | $52K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 281 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.