| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELATION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 ALPHARETTA, GA 30022 | UNITED HEALTHCARE INSURANCE COMPANY | — | $70K | $70K | 5.28% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCE INC. | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 JOHNS CREEK, GA 30022 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $11K | $30K | 8.21% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURANCE | 5825 MEDLOCK BRIDGE PKWY SUITE 200 ALPHARETTA, GA 30022 | EYEMED VISION CARE | $2K | — | $2K | 10.83% |
| RELATION INSURANCE INC3 | 700 SE CENTRAL PARKWAY STUART, FL 34994 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.78% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 321 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $367K |
| Vision | EYEMED VISION CARE | 298 | $19K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $381K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $367K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $367K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 221 | $381K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.