| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, LLC | SIX CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 30328 | AETNA HEALTH, INC. | $46K | — | $46K | 5.08% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, LLC | SIX CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 30328 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 5.02% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, LLC | SIX CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $253 | $13K | 15.31% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY, STE 2750 ATLANTA, GA 30328 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 7.98% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PARKWAY, STE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 14.92% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, LLC | SIX CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $44 | $2K | 15.30% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 20 | $166K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 113 | $48K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $82K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $82K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.