| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCR CONSULTING LLC3 | PO BOX 712 ATLANTA, GA 30357 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $72K | — | $72K | 13.02% |
| SCR CONSULTING LLC3 | PO BOX 712 ATLANTA, GA 30357 | THE LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $10K | $49K | 12.44% |
| SCR CONSULTING LLC3 | PO BOX 7012 ATLANTA, GA 30357 | THE LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $4K | $21K | 12.22% |
| SCR CONSULTING LLC3 | PO BOX 7012 ATLANTA, GA 30357 | THE LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $674 | $4K | 12.21% |
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 | 399 | 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) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 367 | $99K |
| Life insurance(2 contracts) | THE LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $422K |
| Long-term disability | THE LIFE INSURANCE COMPANY OF NORTH AMERICA | 399 | $171K |
| Stop-loss / reinsurancereinsurance | CIGNA LIFE AND HEALTH INSURANCE COMPANY | 968 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 968 | — |
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.