| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N. PKWY. SUITE 300 ATLANTA, GA 30339 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $42K | $0 | $42K | 2.09% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE NORTH PKWY SUITE 300 ATLANTA, GA 30339 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $8K | $0 | $8K | 0.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1120 SANCTUARY PKWY STE 300 ALPHARETTA, GA 300097631 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $250 | $0 | $250 | 0.01% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N. PKWY. SUITE 300 ATLANTA, GA 30339 | GUARDIAN INSURANCE COMPANY | $29K | $0 | $29K | 13.06% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 113 | $2.0M |
| Dental | GUARDIAN INSURANCE COMPANY | 146 | $221K |
| Vision | GUARDIAN INSURANCE COMPANY | 146 | $221K |
| Life insurance | GUARDIAN INSURANCE COMPANY | 146 | $221K |
| Short-term disability | GUARDIAN INSURANCE COMPANY | 146 | $221K |
| Long-term disability | GUARDIAN INSURANCE COMPANY | 146 | $221K |
| Other | GUARDIAN INSURANCE COMPANY | 146 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.