| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREN H FLEMING | 5820 HERSHINGER CLOSE DULUTH, GA 30097 | BOSTON MUTUAL LIFE | $39K | — | $39K | 67.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DEBRA BAILEY EIN 58-1164035 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | P.O. BOX 641 MABLETON, GA 30126 | $93K |
| SABRINA WALKER EIN 58-1164035 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | P.O. BOX 641 MABLETON, GA 30126 | $57K |
| INDIA BREWSTER EIN 58-1164035 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | P.O. BOX 641 MABLETON, GA 30126 | $56K |
| MORGAN STANLEY INVESTMENT MANAGEMENT | Investment advisory (plan); Investment management; Custodial (securities) Service code 19 | ONE 10TH STREET STE 600 AUGUSTA, GA 30901 | $49K |
| STEVEN D EISENBERG CPA PA EIN 65-0140643 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | 7700 CONGRESS AVENUE STE 1128 BOCA RATON, FL 33487 | $20K |
| JENKINS & ASSOCIATES EIN 58-1596154 CONSULTANT | Consulting (general); Direct payment from the plan Service code 16 | 1299 BATTLE CREEK ROAD JONESBORO, GA 30236 | $18K |
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 | 333 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | BOSTON MUTUAL LIFE | 165 | $57K |
| Short-term disability | BOSTON MUTUAL LIFE | 165 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.