| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE NORTH PKWY SE STE 600 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 14.01% |
| C WALKER SULLIVAN3 | STE 600 400 INTERSTATE N PKWY ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $4K | $1K | $6K | 10.99% |
| CALLAWAY BLACK GRP INC3 | STE 600 400 INTERSTATE N PKWY ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $883 | $106 | $989 | 1.93% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PARKWAY SUITE 600 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 18.96% |
| ELF VENTURES, LLC5 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PARKWAY SUITE 600 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $690 | $690 | 2.38% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE NORTH PKWY SE STE 600 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $487 | $2K | 13.96% |
| C WALKER SULLIVAN3 | STE 600 400 INTERSTATE N PKWY ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $1K | $295 | $1K | 13.73% |
| CALLAWAY BLACK GRP INC3 | STE 600 400 INTERSTATE N PKWY ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $212 | $25 | $237 | 2.40% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE NORTH PKWY SE STE 600 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $423 | $2K | 19.41% |
| ELF VENTURES, LLC5 Filed as: ELF VENTURES LLC | 400 INTERSTATE NORTH PKWY SE SUITE 600 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $690 | $690 | 7.19% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $39K |
| Short-term disability | NORTHWESTERN MUTUAL | 108 | $10K |
| Long-term disability | NORTHWESTERN MUTUAL | 108 | $51K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 95 | $107K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 95 | $107K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.