| 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 | $7K | $2K | $9K | 13.28% |
| LEGACY RISK SOLUTIONS LLC3 | 434 GREEN ST, NE GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRESCENT HEALTH SOLUTIONS EIN 56-2131744 TPA | Claims processing; Contract Administrator Service code 12 | — | $52K |
| SONA HEALTH EIN 20-2939130 PBM | Contract Administrator Service code 13 | — | $45K |
| 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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $70K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CRESCENT HEALTH SOLUTIONS | 102 | $572K |
| Other(4 contracts, 4 carriers) | CRESCENT HEALTH SOLUTIONS | 117 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.