| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 3715 NORTHSIDE PKWY NW STE 1-500 ATLANTA, GA 303272882 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $92 | $8K | 10.14% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 9.68% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 3715 NORTHSIDE PKWY NW STE 1-500 ATLANTA, GA 303272834 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 3715 NORTHSIDE PKWY NW STE 1-500 ATLANTA, GA 303272834 | UNITED HEALTHCARE INSURANCE COMPANY | $558 | — | $558 | 10.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $40K |
| IRONWOOD BENEFITS ADVISORY SERVICES EIN 27-4687473 BROKER | Other commissions Service code 55 | — | $0 |
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. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 127 | $45K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $79K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 301 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $79K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $79K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $79K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $79K |
| 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."
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.