| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 3715 NORTHSIDE PARKWAY NW SUITE 1-500 ATLANTA, GA 30327 | SUN LIFE ASSURANCE COMPANY OF CANADA | $36K | — | $36K | 6.30% |
| MEDICAL GROUP INSURANCE SERVICES | 1849 WEST NORTH TEMPLE SALT LAKE CITY, UT 84116 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $45 | $25K | 4.45% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES, LLC DBA INTREPID | 400 INTERSTATE NORTH PARKWAY SUITE #600 ATLANTA, GA 30329 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 0.55% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC DBA INTREPID | 400 INTERSTATE NORTH PARKWAY SUITE 600 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 5.09% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD INSURANCE & EMPLOYEE BENEF | 3715 NORTHSIDE PARKWAY NW ATLANTA, GA 30327 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 4.52% |
| KID INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGES LANGE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $543 | $2K | 4.72% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC DBA INTREPID | 400 INTERSTATE NORTH PKWY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.39% |
| GARY LANE3 | 400 INTERSTATE NORTH PKWY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.39% |
| HORIZON MANAGEMENT LLC3 | PO BOX 249 SIGNAL MOUNTAIN, TN 37377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $318 | $368 | $686 | 1.95% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $546 | $83 | $629 | 1.79% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | $71 | $380 | 1.08% |
| KLINGBEIL AND ASSOCIATES INC3 | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | $1 | $164 | 0.47% |
| LAURIE J BURNS3 | 303 PYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $43 | $139 | 0.39% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $124 | — | $124 | 0.35% |
| C MARIE ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $34 | $94 | 0.27% |
| B V STONE INC3 | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $78 | $1 | $79 | 0.22% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFIT ADVISORY | 3715 NORTHSIDE PKWY ATLANTA, GA 30327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.14% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL ST TAMPA, GA 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $5 | $26 | 0.07% |
| C MARIE ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT COMPANY | $331 | $10 | $341 | 3.92% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES, LLC DBA INTREPID | 400 INTERSTATE NORTH PARKWAY SUITE #600 ATLANTA, GA 30329 | COLONIAL LIFE & ACCIDENT COMPANY | $331 | — | $331 | 3.81% |
| GARY LANE3 | 400 INTERSTATE NORTH PARKWAY ATLANTA, GA 30329 | COLONIAL LIFE & ACCIDENT COMPANY | $331 | — | $331 | 3.81% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT COMPANY | $139 | $7 | $146 | 1.68% |
| HORIZON MANAGEMENT LLC3 | PO BOX 249 SIGNAL MOUNTAIN, TN 37377 | COLONIAL LIFE & ACCIDENT COMPANY | $69 | $66 | $135 | 1.55% |
| CAROL H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT COMPANY | $102 | $18 | $120 | 1.38% |
| KID INSURANCE BENEFITS INC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT COMPANY | $31 | $58 | $89 | 1.02% |
| KLINGBEIL AND ASSOCIATES INC3 | KLINGBEIL AND ASSOCIATES ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT COMPANY | $63 | $7 | $70 | 0.81% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT COMPANY | $46 | — | $46 | 0.53% |
| LAURIE J BURNS3 | 303 PYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT COMPANY | $19 | $8 | $27 | 0.31% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT COMPANY | $21 | $5 | $26 | 0.30% |
| B V STONE INC3 | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT COMPANY | $19 | — | $19 | 0.22% |
| BURTON M HERRING JR3 | 1135 ARLINGTON DRIVE BIRMINGHAM, AL 35224 | COLONIAL LIFE & ACCIDENT COMPANY | $17 | — | $17 | 0.20% |
| BARBARA J LAKE3 Filed as: BARBARA J. LAKE | 226 N HIGH ST MORRISTOWN, IN 46161 | COLONIAL LIFE & ACCIDENT COMPANY | $11 | $1 | $12 | 0.14% |
| ORLANDO L VARGAS3 | 10388 ROYAL TERRACE ALPHARETTA, GA 30326 | COLONIAL LIFE & ACCIDENT COMPANY | $9 | — | $9 | 0.10% |
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 | 285 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 530 | $37K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2 | $567K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 127 | $576K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 67 | $602K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.