| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROPEL INSURANCE AGENCY, LLC3 | 10000 AVALON BOULEVARD, SUITE 130 ALPHARETTA, GA 30009 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | $0 | $55K | 3.84% |
| BENEFIT GUARANTY LLC3 Filed as: BENEFIT GUARANTY, LLC | 725 LOWNDES HILL ROAD GREENVILLE, SC 29607 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $95K | — | $95K | 39.05% |
| SOUTHEAST INSURANCE GROUP INC3 Filed as: SOUTHEAST INSURANCE GROUP | 2340 HARDSCRABBLE ROAD COLUMBIA, SC 29223 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $7K | — | $7K | 2.88% |
| PROPEL INSURANCE AGENCY, LLC3 | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 17.59% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $24 | $24 | 0.03% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | PO BOX 741738 ATLANTA, GA 30374 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | -$6 | — | -$6 | -0.06% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $1.4M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 369 | $1.7M |
| Vision(2 contracts, 2 carriers) | METLIFE GOVERNMENT CONTRACTORS FRINGE BENEFIT TRUST | 1,666 | $23K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 369 | $327K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 369 | $327K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 103 | $84K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $1.4M |
| Other(3 contracts, 3 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 369 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,666 | — |
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.