| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 3580 PIERCE DR STE 100 CHAMBLEE, GA 30341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $93K | $6K | $98K | 12.83% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 3580 PIERCE DR STE 100 CHAMBLEE, GA 30341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | $1K | $26K | 15.75% |
| ACRISURE LLC3 Filed as: ACRISURE LLC PEACHTREE BENEFIT GRP | 3580 PIERCE DR NE STE 100 CHAMBLEE, GA 303412123 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $904 | $11K | 17.61% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 503232317 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.37% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $878 | $878 | 1.46% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CARRIER | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.78% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 3580 PIERCE DR STE 100 CHAMBLEE, GA 30341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 109 E MAIN ST BRIDGEPORT, WV 26330 | GUARDIAN | $168 | — | $168 | 0.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST STE 2400 SAN FRANCISCO, CA 94104 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $180 | — | $180 | 2.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS RD STE 800 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $151 | — | $151 | 2.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | $295K |
| EDGEWOOD PARTNERS INSURANCE EIN 94-3195221 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $147K |
| ACS - A XEROX COMPANY EIN 36-4129784 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $133K |
| AETNA EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $42K |
| MULTIPLAN, INC. EIN 13-3068979 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $24K |
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 | 413 | 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) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 17 | $276K |
| Dental | GUARDIAN | 313 | $19K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 269 | $32K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $992K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $767K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $767K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 266 | $31K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 389 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.