| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | 6 CONCOURSE PARKWAY NE STE 2750 ATLANTA, GA 303286243 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $2K | $21K | 11.19% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | SIX CONCOURSE PKWY SUITE 2750 ATLANTA, GA 30328 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 10.58% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, LLC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $919 | — | $919 | 6.44% |
| ELIZABETH H FINCHER4 | PO BOX 1382 ROSWELL, GA 300771382 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $794 | — | $794 | 9.17% |
| DIGITAL INSURANCE LLC4 Filed as: DIGITAL INSURANCE | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $364 | — | $364 | 4.20% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 584 | $185K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 221 | $14K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 584 | $185K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 584 | $185K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 584 | $185K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 584 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.