| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEACHTREE BENEFIT GROUP INC3 | 3580 PIERCE DRIVE NE SUITE 100 CHAMBLEE, GA 30341 | METROPOLITAN LIFE INSURANCE COMPANY | $805 | $359 | $1K | 14.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | METROPOLITAN LIFE INSURANCE COMPANY | $187 | — | $187 | 2.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET FLOOR 21 SAN FRANCISCO, CA 94105 | METROPOLITAN LIFE INSURANCE COMPANY | — | $75 | $75 | 0.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HIGHWAY BLDG 2 SUITE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $50 | — | $50 | 0.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC CLAIMS ADMIN | Plan Administrator; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | 8731 RED OAK BOULEVARD CHARLOTTE, NC 28217 | $28K |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 119 | $8K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 99 | $237K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 119 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.