| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $65K | $0 | $65K | 4.58% |
| A A LAROCCO & ASSOCIATES3 Filed as: A A LAROCCO & ASSOCIATES INC | 5880 LIVE OAK PKWY STE 230 NORCROSS, GA 30093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.68% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $694 | $2K | 5.57% |
| A A LAROCCO & ASSOCIATES3 Filed as: A A LAROCCO & ASSOCIATES INC | 5880 LIVE OAK PKWY STE 230 NORCROSS, GA 30093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.27% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $816 | $470 | $1K | 5.88% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | COMMUNITY EYE CARE | $2K | — | $2K | 10.00% |
| A A LAROCCO & ASSOCIATES3 Filed as: A A LAROCCO & ASSOCIATES INC | 5880 LIVE OAK PKWY STE 230 NORCROSS, GA 30093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $838 | $0 | $838 | 9.14% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $537 | $210 | $747 | 8.15% |
| A A LAROCCO & ASSOCIATES3 Filed as: A A LAROCCO & ASSOCIATES INC | 5880 LIVE OAK PKWY STE 230 NORCROSS, GA 30093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $569 | $0 | $569 | 8.90% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $390 | $121 | $511 | 7.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $15K |
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 | 137 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 274 | $1.4M |
| Vision | COMMUNITY EYE CARE | 268 | $19K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $22K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.