| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY LLC | SUITE 2750, SIX CONCOURSE PKWY ATLANTA, GA 30328 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $49K | $0 | $49K | 7.78% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 ATTN ACCOUNTING SAN DIEGO, CA 921865638 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $557 | $0 | $557 | 0.09% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PKWY NE STE 2750 ATLANTA, GA 303286117 | UNITED HEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 13.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR, BLDG 1 STE 100 DULUTH, GA 30097 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $854 | $0 | $854 | 10.00% |
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 | 1,391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 831 | $140K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 831 | $140K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,598 | $633K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,598 | $633K |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,598 | $641K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,598 | — |
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.