| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | CONCOURSE CORPORATE CTR FIVE FL 18 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $54K | $64K | 5.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GEORGIA INC | CONCOURSE CORPORATE CTR FIVE FL 18 ATLANTA, GA 30328 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 13.86% |
| MELANIE BARRETT KING3 Filed as: MELANIE KING AND MULTIPLE AGENTS | SEE ATTACHMENT FOR AGENT LISTINGS MABLETON, GA 30126 | AFLAC | $2K | — | $2K | 19.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 29727 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$12 | $131 | $119 | — |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $1.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 242 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 167 | $31K |
| Short-term disability | AFLAC | 11 | $10K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 167 | $31K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 167 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.