| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC PEACHTREE BENEFIT GRP | 3580 PIERCE DR NE STE 100 CHAMBLEE, GA 303412123 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 12.73% |
| PEACHTREE BENEFIT GROUP INC | 3580 PIERCE DR NE STE 100 CHAMBLEE, GA 303412123 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.40% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $192 | $192 | 0.36% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CARRIER | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CARRIER | PO BOX 102157 PASADENA, CA 91189 | FIDELITY SECURITY LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CARRIER | — | GUARDIAN | $1K | — | $1K | 8.14% |
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 | 363 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 253 | $15K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 363 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 81 | $53K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 240 | $598K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 81 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.