| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 400 INTERSTATE NORTH PKWY SE STE 60 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $1K | $9K | 11.80% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.05% |
| C WALKER SULLIVAN3 | 2589 PACES FERRY RD SE STE 1200 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 9.88% |
| CALLAWAY BLACK GRP INC3 | 2589 PACES FERRY RD SE STE 1200 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $933 | $112 | $1K | 1.77% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE NORTH PKWY SE STE 60 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.19% |
| PATRIOT GROWTH INSURANCE SERVICES5 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $683 | $683 | 2.07% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PARKWAY SUITE 300 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $172 | $172 | 0.52% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 400 INTERSTATE NORTH PKWY SE STE 60 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $425 | $2K | 13.44% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $243 | $243 | 1.96% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 400 INTERSTATE NORTH PKWY SE STE 60 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $905 | $2K | 23.53% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $221 | $221 | 2.08% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE NORTH PKWY SE STE 300 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $172 | $172 | 1.62% |
| C WALKER SULLIVAN3 | 2859 PACES FERRY RD SE STE 1200 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $1K | $278 | $1K | 13.75% |
| CALLAWAY BLACK GRP INC3 | 2589 PACES FERRY RD SE STE 1200 ATLANTA, GA 30339 | NORTHWESTERN MUTUAL | $220 | $26 | $246 | 2.45% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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 | $44K |
| Short-term disability | NORTHWESTERN MUTUAL | 111 | $10K |
| Long-term disability | NORTHWESTERN MUTUAL | 111 | $59K |
| Prescription drug | HCC LIFE INSURANCE COMPANY | 89 | $146K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 89 | $146K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.