| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SNELLINGS WALTERS INSURANCE AGENCY3 | 5 CONCOURSE PKWY STE 2700 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $959 | $10K | 14.36% |
| SNELLINGS WALTERS INSURANCE AGENCY3 | 5 CONCOURSE PKWY STE 2700 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $926 | $10K | 16.77% |
| SNELLINGS WALTERS INSURANCE AGENCY3 | 5 CONCOURSE PKWY STE 2700 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $567 | $6K | 14.18% |
| SNELLING WALTERS INSURANCE AGENCY3 | PO BOX 745107 ATLANTA, GA 30374 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $2K | — | $2K | 9.05% |
| SNELLINGS WALTERS INSURANCE AGENCY3 | 5 CONCOURSE PKWY STE 2700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $3K | $213 | $3K | 21.29% |
| SNELLINGS WALTERS INSURANCE AGENCY3 | 5 CONCOURSE PKWY STE 2700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $2K | $271 | $2K | 18.61% |
| SNELLINGS WALTERS INSURANCE AGENCY3 | 5 CONCOURSE PKWY STE 2700 ATLANTA, GA 30328 | UNUM INSURANCE COMPANY | $2K | $219 | $2K | 17.09% |
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 | 450 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 289 | $19K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 450 | $116K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12 | $58K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 450 | $73K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 450 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.