| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE BENEFIT SOLUTIONS LLC3 | 1411 DUTCH VALLEY PL ATLANTA, GA 30324 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 10.50% |
| CORE BENEFIT SOLUTIONS LLC3 | 1411 DUTCH VALLEY PL ATLANTA, GA 30324 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 11.07% |
| CORE BENEFIT SOLUTIONS LLC3 | 1411 DUTCH VALLEY PL ATLANTA, GA 30324 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.81% |
| CORE BENEFIT SOLUTIONS LLC3 Filed as: CORE BENEFIT SOLUTION LLC | 1411 DUTCH VALLEY PL ATLANTA, GA 30324 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.96% |
| CORE BENEFIT SOLUTIONS LLC3 | 1411 DUTCH VALLEY PL ATLANTA, GA 30324 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 11.10% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 308 | $1.1M |
| Dental | STANDARD INSURANCE COMPANY | 149 | $64K |
| Vision | STANDARD INSURANCE COMPANY | 106 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 176 | $41K |
| Short-term disability | STANDARD INSURANCE COMPANY | 132 | $40K |
| Long-term disability | STANDARD INSURANCE COMPANY | 44 | $9K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 308 | $1.1M |
| Other | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 308 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 308 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.