| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEGACY RISK SOLUTIONS LLC3 | PO BOX 2976 GAINESVILLE, GA 30503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.23% |
| INSURANCE SERVICE OF ASHEVILLE3 Filed as: INSURANCE SERVICE OF ASHEVILLE, INC | PO BOX 530 ASHEVILLE, NC 28802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $558 | $2K | 2.75% |
| LEGACY RISK SOLUTIONS LLC3 | 434 GREEN ST, NE GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRESCENT HEALTH SOLUTIONS EIN 56-2131744 TPA | Contract Administrator; Claims processing Service code 12 | — | $49K |
| LEGACY RISK SOLUTIONS LLC EIN 58-1656177 AGENT/BROKER | Insurance agents and brokers Service code 22 | — | $22K |
| FLORES AND ASSOCIATES EIN 56-1542307 FLEX ADMINISTRATION | Other fees Service code 99 | — | $2K |
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 | 83 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $57K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $57K |
| Stop-loss / reinsurancereinsurance | CRESCENT HEALTH SOLUTIONS | 83 | $314K |
| Other(3 contracts, 3 carriers) | CRESCENT HEALTH SOLUTIONS | 83 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 83 | — |
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."
No prospect flags tripped on this filing.