| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIRE BENEFITS3 | 5880 LIVE OAK PARKWAY SUITE 250 NORCROSS, GA 30093 | UNITED HEALTH CARE INSURANCE COMPANY | $0 | $91K | $91K | 2.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED HEALTH CARE INSURANCE COMPANY | $0 | $16K | $16K | 0.38% |
| HIRE BENEFITS3 | 5880 LIVE OAK PARKWAY SUITE 250 NORCROSS, GA 30093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 8.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 3.73% |
| HIRE BENEFITS3 | 5880 LIVE OAK PARKWAY SUITE 250 NORCROSS, GA 30093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 11.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 4.72% |
| HIRE BENEFITS3 | 5880 LIVE OAK PARKWAY SUITE 250 NORCROSS, GA 30093 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.46% |
| AON CONSULTING INC3 Filed as: AON HEWITT - ATLANTA, GA | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $854 | $0 | $854 | 2.59% |
| HIRE BENEFITS3 | 5880 LIVE OAK PARKWAY SUITE 250 NORCROSS, GA 30093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.47% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - ATLANTA | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $750 | $0 | $750 | 3.25% |
| A A LAROCCO & ASSOCIATES3 | 5880 LIVE OAK PARKWAY SUITE 230 NORCROSS, GA 30093 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $3K | $1K | $4K | 17.66% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES WE | P. O. BOX 905494 CHARLOTTE, NC 28290 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $1K | $0 | $1K | 6.05% |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE INSURANCE COMPANY | 644 | $4.1M |
| Dental | THE GUARDIAN LIFE INSURANCE OF AMERICA | 303 | $22K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 616 | $33K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $303K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $261K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $261K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 318 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.