| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANT FARM3 Filed as: ANT FARM LLC | 291 HERITAGE WALK WOODSTOCK, GA 301883876 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.99% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES, INC. | 5510 SIX FORKS ROAD SUITE 260 RALEIGH, NC 27609 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $0 | $22K | 17.00% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.00% |
| ALEXANDER BENEFITS CONSULTING5 Filed as: ALEXANDER & COMPANY | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.00% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $633 | $20K | 37.73% |
| ANT FARM3 | 291 HERTIAGE WALK WOODSTOCK, GA 30188 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $508 | $0 | $508 | 0.96% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES INC. | 1616 E MILLBROOK RD STE 250 RALEIGH, NC 27609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $404 | $12K | 30.63% |
| ANT FARM3 | 291 HERTIAGE WALK WOODSTOCK, GA 30188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $586 | $0 | $586 | 1.50% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH ST HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $236 | $0 | $236 | 0.60% |
| JRW ASSOCIATES INC3 Filed as: JRW ASSOCIATES, INC. | 5510 SIX FORKS ROAD SUITE 260 RALEIGH, NC 27609 | COMMUNITY EYE CARE | $4K | $0 | $4K | 10.00% |
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 | 629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 893 | $441K |
| Vision | COMMUNITY EYE CARE | 577 | $36K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 893 | $494K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $185K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 893 | $441K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 893 | $488K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 893 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.