| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROTH & ASSOCIATES3 Filed as: ROTH & ASSOCIATES, INC. | 990 HAMMOND DRIVE SUITE 830 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | $0 | $49K | 5.00% |
| ROTH & ASSOCIATES3 | 990 HAMMOND DR STE 830 ATLANTA, GA 30328 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 10.75% |
| ROTH & ASSOCIATES3 Filed as: ROTH & ASSOCIATES, INC. | 990 HAMMOND DR STE 830 ATLANTA, GA 30328 | COMPBENEFITS | $4K | $0 | $4K | 14.62% |
| ROTH & ASSOCIATES3 | 990 HAMMOND DR STE 830 ATLANTA, GA 30328 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 18.09% |
| ROTH & ASSOCIATES3 Filed as: ROTH & ASSOCIATES, INC. | 990 HAMMOND DR STE 830 ATLANTA, GA 30328 | COMPBENEFITS | $593 | $0 | $593 | 9.99% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $990K |
| Dental | COMPBENEFITS | 69 | $28K |
| Vision | COMPBENEFITS | 41 | $6K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $17K |
| Long-term disability | STANDARD INSURANCE COMPANY | 148 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.