| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF GEORGIA INC | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $2K | $25K | 14.08% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $11K | 6.34% |
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PARKWAY SE SUITE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.98% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $626 | $626 | 0.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF GA | 900 NORTH POINT PKWY ALPHARETTA, GA 30005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 25.00% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BLVD SUITE 300 MOUNT PLEASANT, SC 29464 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN AND BROWN INS OF GA EIN 58-0840189 AGENT | Insurance agents and brokers Service code 22 | — | $74K |
| BENEFIT INDEMNITY CORP. EIN 66-0761417 N/A | Contract Administrator Service code 13 | — | $58K |
| SISCO EIN 42-1144827 TPA | Contract Administrator Service code 13 | — | $41K |
| CIGNA/GREAT WEST HEALTH EIN 84-0467907 PPO NETWORK | Contract Administrator Service code 13 | — | $21K |
| BENEZON EIN 47-5190646 TELEDOC ADMIN | Claims processing Service code 12 | — | $6K |
| ADMIN AMERICA, INC. FSA ADMIN | Contract Administrator Service code 13 | 1720 WINDWARD CONCOURSE SUITE 290 ALPHARETTA, GA 30009 | $2K |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $179K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $179K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $179K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $179K |
| Stop-loss / reinsurancereinsurance | STRATEGIC UNDERWRITING SOLUTIONS, LLC | 124 | $265K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 301 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.