| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 3715 NORTHSIDE PKWY SUITE 1500 ATLANTA, GA 30327 | STANDARD INSURANCE | $3K | $0 | $3K | 11.79% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 3715 NORTHSIDE PKWY NW SUITE 1500 ATLANTA, GA 30327 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 11.26% |
| JEROME BUTLER3 | 315 COMMERCIAL DRIVE SUITE A-5 SAVANNAH, GA 31406 | HARTFORD LIFE AND ACCIDENT | $691 | $7 | $698 | 2.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC EIN 58-1449504 ADMIN | Claims processing Service code 12 | — | $73K |
| IBAS EIN 27-4687473 BROKER COMP | Insurance agents and brokers Service code 22 | — | $28K |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 213 | $29K |
| Long-term disability | STANDARD INSURANCE | 237 | $29K |
| Other | HARTFORD LIFE AND ACCIDENT | 213 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.