| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELF VENTURES, LLC | 400 INTERSTATE NORTH PKWY SE ST 600 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $115K | — | $115K | 4.09% |
| ELF VENTURES, LLC3 | 400 INTERSTATE NORTH PKWY SE ST 600 ATLANTA, GA 303395001 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC | $9K | — | $9K | 3.88% |
| ELF VENTURES, LLC3 | 400 INTERSTATE NORTH PKWY SE ST 600 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $25K | $5K | $30K | 26.59% |
| KNIGHTS-RAWLS INC3 | 6001 RIVER RD # 400 COLUMBUS, GA 31904 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 15.00% |
| ELF VENTURES, LLC3 | 400 INTERSTATE NORTH PKWY SE ST 300 ATLANTA, GA 303395000 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $6K | — |
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 | 407 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 401 | $2.8M |
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA, INC | 407 | $223K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA, INC | 407 | $223K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 443 | $155K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 443 | $115K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 443 | $155K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 293 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.