| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | UNKNOWN LAWRENCEVILLE, GA 30043 | AMERICAN UNITED LIFE INSURANCE COMPANY | $25K | $4K | $29K | 31.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS LLC | UNKNOWN LAWRENCEVILLE, GA 30043 | AMERICAN UNITED LIFE INSURANCE COMPANY | $29 | — | $29 | 0.03% |
| COMBES FRANCISCO3 | 3508 VERNADEAN DRIVE ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.78% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY | 1410 BLANDING STREET SUITE 100 COLUMBIA, SC 29201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 27409 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.12% |
| PROPEL INSURANCE AGENCY LLC3 | 1410 BLANDING STREET SUITE 100 LAWRENCEVILLE, GA 30043 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.39% |
| PROPEL INSURANCE AGENCY LLC3 Filed as: PROPEL INSURANCE AGENCY, LLC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 965 GREENTREE ROAD PITTSBURGH, PA 15220 | HUMANA INSURANCE COMPANY | — | $3K | $3K | 3.80% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 137 | $67K |
| Vision | HUMANA INSURANCE COMPANY | 137 | $67K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 150 | $93K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 63 | $81K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 150 | $93K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 150 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.