| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEACHTREE BENEFIT GROUP INC3 Filed as: PEACHTREE BENEFIT PARTNERS OF GEORG | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 303412123 | PRINCIPAL LIFE INSURANCE COMPANY | $30K | $9K | $39K | 16.39% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 W LAKE HILLS, TX 787466446 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 2.82% |
| GARRY LYNN JOHNSON3 | 3850 E BASELINE RD STE 121 MESA, AZ 852064404 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.00% |
| PEACHTREE BENEFIT GROUP INC3 | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.14% |
| PEACHTREE BENEFIT GROUP INC3 | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 9.75% |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $236K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $236K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $239K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 237 | $239K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF GEORGIA | 204 | $347K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.