| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $132K | $160K | 4.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE NORTH PKWY SE ST 300 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | $6K | $38K | 26.28% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 501 OFFICE CENTER DR STE 215 FORT WASHINGTON, PA 19034 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.90% |
| H.J. KNIGHT INTERNATIONAL INSURANCE3 Filed as: KNIGHT-RAWLS, INC | 6001 RIVER ROAD, STE 400 COLUMBUS, GA 31904 | HARTFORD LIFE AND ACCIDENT | $8K | $0 | $8K | 15.00% |
| ELF VENTURES, LLC3 | 400 INTERSTATE NORTH PKWY SE ST 300 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $2K | $0 | $2K | 10.05% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 466 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,317 | $4.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,317 | $4.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,317 | $4.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 445 | $144K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 445 | $200K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 355 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,317 | — |
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.