| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS-BSC LLC3 Filed as: DS-BSC LLC DBA TOTEM SOLUTIONS | 11330 LAKEFIELD DR. STE. 150 BLD. 1 JOHNS CREEK, GA 30097 | AETNA LIFE INSURANCE COMPANY | $50K | — | $50K | 11.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE RD., NW STE. 475 ATLANTA, GA 30305 | AETNA LIFE INSURANCE COMPANY | $11K | — | $11K | 2.64% |
| PARTNERS BENEFIT GROUP LLC3 | P.O. BOX 7770 - 1476 CARPENTER ROAD TIFTON, GA 31793 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $48K | $12K | $60K | 17.82% |
| PARTNERS BENEFIT GROUP LLC3 | P.O. BOX 7770 - 1476 CARPENTER ROAD TIFTON, GA 31793 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $32K | $8K | $40K | 17.91% |
| PARTNERS BENEFIT GROUP LLC3 | P.O. BOX 7770 - 1476 CARPENTER ROAD TIFTON, GA 31793 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $11K | $3K | $14K | 17.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | P O BOX 70 WEST POINT, GA 31833 | NATIONWIDE LIFE INSURANCE COMPANY | $6K | — | $6K | 13.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY LLC | 3050 PEACHTREE RD., NW, STE. 475 ATLANTA, GA 30305 | NATIONWIDE LIFE INSURANCE COMPANY | $544 | — | $544 | 1.22% |
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 | 907 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 920 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 957 | $430K |
| Vision | AETNA LIFE INSURANCE COMPANY | 957 | $430K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 979 | $225K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 885 | $76K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 895 | $339K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 979 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,092 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.