| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELF VENTURES, LLC3 | 400 INTERSTATE NORTH PKWY SE ST 600 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $77K | — | $77K | 3.24% |
| ELF VENTURES, LLC3 | 400 INTERSTATE NORTH PKWY SE ST 600 ATLANTA, GA 303395001 | AMERITAS LIFE INSURANCE CORPORATION | $403 | — | $403 | 0.33% |
| H.J. KNIGHT INTERNATIONAL INSURANCE3 Filed as: KNIGHT SETH | 6001 RIVER RD STE 400 COLUMBUS, GA 31904 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 10.23% |
| PAM DEBOY3 | 4898 ARBOR VIEW PARKWAY ACWORTH, GA 30101 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 12.74% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 346 | $2.4M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 322 | $123K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 334 | $11K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 334 | $11K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 272 | $44K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 334 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 346 | — |
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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.