| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARISTA CONSULTING GROUP LLC3 | 4550 NORTH POINT PKWY STE 250 ALPHARETTA, GA 30022 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $626 | $8K | 8.18% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $322 | $4K | 4.10% |
| ARISTA CONSULTING GROUP LLC3 | 4550 NORTH POINT PKWY STE 250 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $494 | $10K | 15.75% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.00% |
| ARISTA CONSULTING GROUP LLC3 | 4550 NORTH POINT PKWY STE 250 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | — |
| RLP CORPORATION3 | 221 LAKE FORREST LANE NE ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | — |
| PITTS, ROBERT, L3 | 2795 PEACHTREE ROAD NE ATLANTA, GA 30305 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | — |
| PIERCE, DWIGHT, L3 Filed as: PIERCE, DWIGHT, L BENE TECH- DIV 15 | 20 WIGHT AVE STE 160 COCKEYSVILLE, MD 21030 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 138 | $93K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 138 | $93K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $66K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $66K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $66K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.