| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENCORE ADVISORS3 | 4855 RIVER GREEN PKWY SUITE 330 DULUTH, GA 30096 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $28K | $30K | 7.34% |
| ENCORE ADVISORS3 Filed as: ENCORE ADVISORS LLC | 4855 RIVER GREEN PKWY STE 330 DULUTH, GA 30096 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.72% |
| ENCORE ADVISORS3 | 4855 RIVER GREEN PKWY SUITE 330 DULUTH, GA 30096 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 18.30% |
| THE CASON GROUP INC5 Filed as: THE CASON GROUP | P.O. BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $310 | $0 | $310 | 2.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SWERDLIN & COMPANY FSA ADMINISTRATOR | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Plan Administrator Service code 12 | 5901 PEACHTREE DUNWOODY ROAD B-170 ATLANTA, GA 30328 | $1K |
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 | 581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 575 | $403K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 581 | $38K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 575 | $403K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 575 | $403K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 581 | $38K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 581 | $38K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 575 | $403K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 168 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.