| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE3 Filed as: MEDOVA HEATHCARE | 345 N. RIVERVIEW, SUITE 600 WICHITA, KS 67203 | WESCO INSURANCE COMPANY | — | $51K | $51K | 16.08% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK INSURANCE LLC | 5388 EAST MTN STREET STONE MOUNTAIN, GA 30083 | WESCO INSURANCE COMPANY | $49K | — | $49K | 15.30% |
| J. L. HERRING & ASSOC INC3 Filed as: JL HERRING & ASSOCIATES, INC. | 315 COMMERCIAL DRIVE, SUITE A5 SAVANNAH, GA 31406 | WESCO INSURANCE COMPANY | $9K | — | $9K | 2.87% |
| FIRST HEALTH NETWORK3 | 23291 NETWORK PLACE CHICAGO, IL 606731232 | WESCO INSURANCE COMPANY | — | $6K | $6K | 1.82% |
| MEDCOM UTILIZATION MANAGEMENT3 | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | WESCO INSURANCE COMPANY | — | $2K | $2K | 0.69% |
| JOHN L BENN3 Filed as: JOHN CONTI | 5388 E MOUNTAIN ST STONE MOUNTAIN, GA 30083 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 9.92% |
| LANDMARK INSURANCE ASSOCIATES3 | 5388 EAST MOUNTAIN STREET STONE MOUNTAIN, GA 30083 | FIDELITY SECURITY INSURANCE COMPANY | $608 | — | $608 | 9.86% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 149 | $60K |
| Vision | FIDELITY SECURITY INSURANCE COMPANY | 114 | $6K |
| Stop-loss / reinsurancereinsurance | WESCO INSURANCE COMPANY | 97 | $320K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.