| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 Filed as: AMWINS GROUP BENEFIS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HARTFORD LIFE AND ACCCIDENT INSURANCE COMPANY | $62K | — | $62K | 11.64% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 150 N WESTMONTE DRIVE ALTAMONTE SPRINGS, FL 32714 | HARTFORD LIFE AND ACCCIDENT INSURANCE COMPANY | $31K | — | $31K | 5.89% |
| WEBTPA EMPLOYER SERVICES LLC5 Filed as: WEBTPA | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCCIDENT INSURANCE COMPANY | $19K | — | $19K | 3.65% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 150 N WESTMONTE DRIVE ALTAMONTE SPRINGS, FL 32714 | ELIXIR | $9K | — | $9K | 3.19% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ELIXIR | $9K | — | $9K | 3.11% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | COMPANION LIFE INSURANCE COMPANY | $19K | — | $19K | 8.46% |
| INSURANCE OFFICE OF AMERICA3 | 150 N. WESTMONTE DRIVE ALTAMONTE SPRINGS, FL 32714 | COMPANION LIFE INSURANCE COMPANY | $5K | — | $5K | 2.21% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY SE SUITE 600 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY SUITE 600 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINAIRE HEALTH BENEFITS INC EIN 35-1846036 ADMINISTRATOR | Plan Administrator; Claims processing; Other services Service code 12 | — | $162K |
| BLUE CROSS BLUE SHIELD OF GEORGIA EIN 58-0469845 ADMINISTRATOR | Other services; Claims processing Service code 12 | — | $61K |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCCIDENT INSURANCE COMPANY | 503 | $1.1M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 381 | $305K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 250 | $141K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 381 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.