| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD, SUITE 122 ACWORTH, GA 30101 | AETNA LIFE INSURANCE COMPANY | $0 | $189K | $189K | 3.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 300 CONCOURSE BOULEVARD, SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $57K | $0 | $57K | 9.17% |
| LOCKTON COMPANIES, LLC3 | 3601 SW 160TH AVENUE, SUITE 200 MIRAMAR, FL 33027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 0.86% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD, SUITE 122 ACWORTH, GA 30101 | AETNA HEALTH INC. | $0 | $19K | $19K | 3.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $63K | $0 | $63K | 11.65% |
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 | 1,242 | 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) | 1,242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,931 | $6.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,083 | $617K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,083 | $617K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,242 | $543K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,242 | $543K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,242 | $543K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 1,931 | $6.8M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,242 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,931 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.