| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HEAD CAPITAL ADVIS | 2840 HILLCREEK DRIVE AUGUSTA, GA 30909 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| DIRECT BENEFITS INC3 | 7900 INTERNATIONAL DRIVE SUITE 1040 MINNEAPOLIS, MN 55425 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INSURANC | 2840 HILLCREEK DRIVE AUGUSTA, GA 30909 | BATTLE LUMBER | $2K | $27K | $30K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT PLAN ADMINISTRATORS, INC. EIN 54-1419753 TPA | Claims processing Service code 12 | — | $16K |
| FIRST HEALTH EIN 20-1736437 TPA | Contract Administrator Service code 13 | — | $5K |
| TELEDOC HEALTH INC EIN 04-3705970 TELEMEDICINE ADMIN | Contract Administrator Service code 13 | — | $5K |
| WLT SOFTWARE ENTERPRISE INC EIN 20-1065781 N/A | Contract Administrator Service code 13 | — | $3K |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.