| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENCORE ADVISORS3 | 4855 RIVER GREEN PKWY SUITE 330 DULUTH, GA 30096 | STARMOUNT LIFE INSURANCE COMPANY | $13K | $3K | $16K | 12.00% |
| ENCORE ADVISORS3 | 4855 RIVER GREEN PKWY SUITE 330 DULUTH, GA 30096 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $0 | $14K | 17.01% |
| THE CASON GROUP INC5 Filed as: THE CASON GROUP | P.O. BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $963 | $0 | $963 | 1.18% |
| ENCORE ADVISORS3 | 4855 RIVER GREEN PKWY SUITE 330 DULUTH, GA 30096 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 6.34% |
| ENCORE ADVISORS3 | 4855 RIVER GREEN PKWY SUITE 330 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $893 | $8K | 16.96% |
| ENCORE ADVISORS3 | 4855 RIVER GREEN PKWY SUITE 330 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $215 | $2K | 17.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $168K |
| SWERDLIN & COMPANY FSA ADMINISTRATOR | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | 5901 PEACHTREE DUNWOODY ROAD B-170 ATLANTA, GA 30328 | $4K |
| ENCORE ADVISORS EIN 26-0258343 BROKER | Other commissions Service code 55 | — | $0 |
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 | 447 | 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) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 156 | $132K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 275 | $64K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 447 | $11K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 411 | $45K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 275 | $64K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 447 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.