| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENCORE ADVISORS3 | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | STARMOUNT LIFE INSURANCE COMPANY | $22K | $2K | $24K | 11.08% |
| ENCORE ADVISORS3 Filed as: ENCORE ADVISORS LLC | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $888 | $13K | 16.06% |
| ENCORE ADVISORS3 | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $476 | $6K | 13.07% |
| ENCORE ADVISORS3 Filed as: ENCORE ADVISORS LLC | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | UNUM INSURANCE COMPANY | $8K | $855 | $9K | 22.01% |
| ENCORE ADVISORS3 Filed as: ENCORE ADVISORS LLC | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | UNUM INSURANCE COMPANY | $6K | $596 | $6K | 22.02% |
| ENCORE ADVISORS3 | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $138 | $2K | 16.06% |
| ENCORE ADVISORS3 | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $623 | $0 | $623 | 14.20% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $69 | $0 | $69 | 1.57% |
| ENCORE ADVISORS3 | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $797 | $0 | $797 | 18.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ENCORE ADVISORS EIN 26-0258343 BROKER | Other commissions Service code 55 | — | $161K |
| HEALTHGRAM INC. EIN 56-1449504 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $156K |
| CIGNA CORPORATION EIN 59-1031071 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $68K |
| HEALTHGRAM- TELADOC INC EIN 47-4591265 TELEMEDICINE | Claims processing Service code 12 | — | $9K |
| CAREOPERATIVE, LLC EIN 20-8981027 N/A | Claims processing Service code 12 | — | $8K |
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 | 576 | 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) | 576 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 400 | $216K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 329 | $45K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 576 | $13K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 576 | $83K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 576 | $83K |
| Other(5 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 576 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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.