| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING CONCEPTS INC3 | 2512 BEXLEY STREET SNELLVILLE, GA 30078 | AETNA | $6K | — | $6K | 7.72% |
| BENEFIT PLANNING CONCEPTS INC3 Filed as: BENEFIT PLANNING CONCEPTS INC. | 2512 BEXLEY CT SNELLVILLE, GA 30078 | METLIFE | $5K | — | $5K | 7.23% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | 300 W 10TH STREET WEST POINT, GA 31833 | METLIFE | — | $19 | $19 | 0.03% |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 195 | $73K |
| Dental | METLIFE | 254 | $66K |
| Life insurance | METLIFE | 254 | $66K |
| Short-term disability | METLIFE | 254 | $66K |
| Other | METLIFE | 254 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.