| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS LLC | 200 WEST ADAMS STREET SUITE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | — | $33K | $33K | 6.16% |
| SNELLING-WALTERS INS AGENCY3 | 1117 PERIMITER CTR WEST STE W 101 ATLANTA, GA 303385449 | UNUM LIFE INSURANCE CO OF AMERICA | $7K | $1K | $8K | 5.46% |
| ARWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KNIGSTOWN, RI 02852 | TRANSAMERICA INSURANCE CO. | $11K | — | $11K | 12.36% |
| ARWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC | $3K | — | $3K | 6.77% |
| SNELLING WALTERS INSURANCE AGENCY | 400 THORNWYCK TRAIL ROSWELL, GA 30076 | AVESIS THIRD PARTY ADMINISTRATORS, INC. | $1K | — | $1K | 10.00% |
| JOHN SNELLINGS INSURANCE AGENCY INC3 Filed as: JOHN SNELLINGS INSURANCE AGENCY | 1117 PERIMITER CTR WEST STE W 101 ATLANTA, GA 303385449 | GUARDIAN LIFE INS CO OF AMERICA | $1K | $216 | $1K | 12.01% |
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 | 91 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA INSURANCE CO. | 32 | $93K |
| Dental | GUARDIAN LIFE INS CO OF AMERICA | 134 | $11K |
| Vision | AVESIS THIRD PARTY ADMINISTRATORS, INC. | 126 | $14K |
| Life insurance | UNUM LIFE INSURANCE CO OF AMERICA | 137 | $149K |
| Long-term disability | UNUM LIFE INSURANCE CO OF AMERICA | 137 | $149K |
| Prescription drug(2 contracts, 2 carriers) | EXPRESS SCRIPTS, INC | 91 | $46K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 97 | $541K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
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.