| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA OWEN3 | 1411 DUTCH VALLEY PL ATLANTA, GA 30324 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.80% |
| CORE BENEFIT SOLUTIONS LLC3 | 1411 DUTCH VALLEY PL ATLANTA, GA 30324 | STANDARD INSURANCE COMPANY | $818 | — | $818 | 1.58% |
| LISA OWEN3 | 1411 DUTCH VALLEY PL ATLANTA, GA 30324 | STANDARD INSURANCE COMPANY | $722 | — | $722 | 6.24% |
| CORE BENEFIT SOLUTIONS LLC3 | 1411 DUTCH VALLEY PL ATLANTA, GA 30324 | STANDARD INSURANCE COMPANY | $626 | — | $626 | 5.41% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 118 | $52K |
| Vision | STANDARD INSURANCE COMPANY | 76 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.