| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRITCHARD & JERDEN INC3 | 950 E PACES FERRY DR NE STE 2000 ATLANTA, GA 303261384 | HUMANA INSURANCE COMPANY | $118K | $6K | $125K | 4.39% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOC INS GROUP INC | 1 KELLY WAY SPARKS GLENCO, MD 211529484 | HUMANA INSURANCE COMPANY | $43K | — | $43K | 1.50% |
| PRITCHARD & JERDEN INC3 | 950 E PACES FERRY RD NE STE 2000 ATLANTA, GA 303261384 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $89 | $8K | 12.26% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY AND ASSOCIATES INS GROUP INC | 1 KELLY WAY SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.92% |
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 | 377 | 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) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 26 | $2.9M |
| Dental | HUMANA INSURANCE COMPANY | 0 | $2.8M |
| Vision | HUMANA INSURANCE COMPANY | 0 | $2.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $61K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $61K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.