| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EPIC3 Filed as: EPIC BROKERS | 2405 SATELLITE BOULEVARD SUITE 125 DULUTH, GA 30096 | HCC LIFE INSURANCE COMPANY | $72K | — | $72K | 17.65% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.17% |
| THE MCCART GROUP INC3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.32% |
| THE MCCART GROUP INC3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $654 | — | $654 | 1.68% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.28% |
| THE MCCART GROUP INC3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $587 | — | $587 | 1.72% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CTR | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $253 | — | $253 | 8.01% |
| THE MCCART GROUP INC3 | 2405 SATELLITE BOULEVARD STE 200 DULUTH, GA 30096 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $63 | — | $63 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EPIC BROKERS BROKER | Insurance agents and brokers Service code 22 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | $62K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PPO | Contract Administrator Service code 13 | — | $40K |
| ALLIED BENEFIT SYSTEMS INC EIN 36-3086057 TPA | Contract Administrator Service code 13 | — | $40K |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $108K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 213 | $39K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 184 | $410K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.