| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY INC | N.H. REGION 5 P.O. BOX 948 HENRIETTA, NY 14467 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $46K | — | $46K | 4.65% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX AGENCY INC | 225 KENNETH DRIVE ROCHESTER, NY 14623 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $34K | — | $34K | 5.43% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF GEORGIA | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $8K | — | $8K | 1.30% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $590 | $3K | 12.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GE | 3483 SATELLITE BOULEVARD SUITE 100 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $159 | $1K | 6.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GE | 3483 SATELLITE BOULEVARD SUITE 100 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $927 | $119 | $1K | 6.81% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $289 | $453 | $742 | 4.83% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $532 | $2K | 15.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GE | 3483 SATELLITE BOULEVARD SUITE 100 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $521 | $26 | $547 | 4.08% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNUM INSURANCE COMPANY | — | $201 | $201 | 3.11% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | STARMOUNT LIFE INSURANCE COMPANY | $535 | $267 | $802 | 12.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GE | 3483 SATELLITE BOULEVARD SUITE 100 DULUTH, GA 30096 | STARMOUNT LIFE INSURANCE COMPANY | $101 | $8 | $109 | 1.71% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNUM INSURANCE COMPANY | — | $177 | $177 | 4.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GE | 3483 SATELLITE BOULEVARD SUITE 100 DULUTH, GA 30096 | UNUM INSURANCE COMPANY | $5 | $1 | $6 | 0.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GE | 3483 SATELLITE BOULEVARD SUITE 100 DULUTH, GA 30096 | UNUM INSURANCE COMPANY | $76 | $10 | $86 | 4.14% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | UNUM INSURANCE COMPANY | — | $79 | $79 | 3.80% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 160 | $1.6M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 56 | $6K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $29K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38 | $20K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $15K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.