| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 1745 N BROWN RD STE 250 LAWRENCEVILLE, GA 300438181 | UNITED HEALTHCARE INSURANCE COMPANY | $42K | $0 | $42K | 5.07% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN ST STE 450 IRVINE, CA 92614 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 14.04% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | VSP | $3K | $0 | $3K | 23.55% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VSP | $170 | $0 | $170 | 1.15% |
| SHARON A LARRY4 | 9220 WATERFORD LN POWDER SPRINGS, GA 30127 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $489 | $0 | $489 | 10.20% |
| RSC INSURANCE BROKERAGE INC4 | 160 FEDERAL ST BOSTON, MA 02110 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $226 | $0 | $226 | 4.71% |
| WRIGHT CURTIS A3 | 4480-H SOUTH COBB DRIVE #212 SMYRNA, GA 30080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $156 | $0 | $156 | 3.47% |
| ERVIN GLORIA3 | 78 BRISBANE DRIVE ACWORTH, GA 30101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | $0 | $63 | 1.40% |
| MCCARTY INSURANCE INC3 Filed as: MCCARTY AGENCY INC | 3081 HOLCOMB BRIDGE RD SUITE C1 NORCROSS, GA 30071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.24% |
| O'CONNELL CHRISTOPHER T3 | 535 ESTATE CLUB CIR ROSWELL, GA 30075 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.04% |
| WRIGHT CURTIS A3 | 4480-H SOUTH COBB DRIVE #212 SMYRNA, GA 30080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167 | $0 | $167 | 4.74% |
| ERVIN GLORIA3 | 78 BRISBANE DRIVE ACWORTH, GA 30101 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | $0 | $63 | 1.79% |
| MCCARTY INSURANCE INC3 Filed as: MCCARTY AGENCY INC | 3081 HOLCOMB BRIDGE RD SUITE C1 NORCROSS, GA 30071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.85% |
| O'CONNEL CHRISTOPHER T3 | 535 ESTATE CLUB CIR ROSWELL, GA 30075 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.17% |
| WRIGHT CURTIS A3 | 4480-H SOUTH COBB DRIVE #212 SMYRNA, GA 30080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $64 | $0 | $64 | 6.34% |
| MCCARTY INSURANCE INC3 Filed as: MCCARTY AGENCY INC | 3081 HOLCOMB BRIDGE RD SUITE C1 NORCROSS, GA 30071 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.69% |
| O'CONNELL CHRISTOPHER T3 | 535 ESTATE CLUB CIR ROSWELL, GA 30075 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.10% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 132 | $818K |
| Vision | VSP | 76 | $15K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $118K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $118K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 113 | $118K |
| Other(4 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 22 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.