| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ADVISORY GROUP3 | 3715 NORTHSIDE PKWY - BLDG 200 STE 400 ATLANTA, GA 30327 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 17.64% |
| BENEFITS ADVISORY GROUP3 | 3715 NORTHSIDE PKWY NW - BLDG 200 STE 400 ATLANTA, GA 30327 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| BENEFITS ADVISORY GROUP3 | 3715 NORTHSIDE PKWY - BLDG 200 #400 ATLANTA, GA 30327 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $264 | $4K | 10.72% |
| BENEFITS ADVISORY GROUP3 | 3715 NORTHSIDE PKWY - BLDG 200 STE 400 ATLANTA, GA 30327 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $904 | $15K | 47.77% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY GRP LLC | 3715 NORTHSIDE PKWY - BLDG 200 STE 400 ATLANTA, GA 303272839 | HUMANA INSURANCE COMPANY | $18K | — | $18K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUMANA HEALTH PLAN INC EIN 61-1013183 ASO PROVIDER MEDICAL | Contract Administrator; Claims processing Service code 12 | — | $93K |
| BENEFITS ADVISORY GROUP BROKER | Other commissions Service code 55 | NORTHCREEK BLDG 200 - STE 400 3715 NORTHSIDE PKWY NW ATLANTA, GA 303272839 | $29K |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 0 | $0 |
| Dental(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $92K |
| Vision(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $92K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $61K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $82K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 291 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.