| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 11.26% |
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | ONE AMERICA | $6K | $2K | $8K | 17.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RESOURCE SEVEN EIN 27-3350028 AGENT FEES | Custodial (securities) Service code 19 | — | $27K |
| LUCENT HEALTH SOLUTIONS LLC EIN 39-1997579 ADMIN | Claims processing Service code 12 | — | $22K |
| CONNECTICUT GENERAL LIFE INS EIN 60-0300370 PPO CHARGE | Claims processing Service code 12 | — | $11K |
| NARUS HEALTH INC. EIN 47-1929604 DIS MGT | Other fees Service code 99 | — | $3K |
| LIGHTHOUSE BENEFIT RESOURCES EIN 47-1011905 EMP ASSIS | Claims processing Service code 12 | — | $617 |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $57K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $57K |
| Life insurance | ONE AMERICA | 116 | $44K |
| Short-term disability | ONE AMERICA | 116 | $44K |
| Long-term disability | ONE AMERICA | 116 | $44K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 0 | $100K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 116 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.