| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 3715 NORTHSIDE PARKWAY NW ATLANTA, GA 30327 | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $89K | — | $89K | 3.15% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 303273093 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $2K | $20K | 11.17% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 4401 NORTHSIDE PARKWAY SUITE 800 ATLATA, GA 30327 | THE HARTFORD | $19K | — | $19K | 13.87% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS | 18940 N PIMA RD SUITE 201 SCOTTSDALE, AZ 85255 | THE HARTFORD | — | $9K | $9K | 6.51% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 4401 NORTHSIDE PARKWAY SUITE 800 ATLANTA, GA 30327 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | $281 | $3K | 16.66% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFITS SOLUTIONS | 18940 N PIMA ROAD #200 SCOTTSDALE, AZ 85255 | THE GUARDIAN LIFE INSURANCE COMPANY | $855 | — | $855 | 5.00% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 654 | $2.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 569 | $199K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 168 | $17K |
| Life insurance | THE HARTFORD | 255 | $140K |
| Long-term disability | THE HARTFORD | 255 | $140K |
| Other | THE HARTFORD | 255 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.