| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 3.10% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N. PKWY. SUITE 600 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $11K | 14.65% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N. PKWY. SUITE 600 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 10.15% |
| GBS INS AGENCY3 Filed as: GBS INS SERVICES | 6190 POWERS FERRY ROAD SUITE 400 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 15.26% |
| RICHARD SMITHSON3 | 200 BROOKE FOREST CT ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 13.50% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTER'S LANE NEW LONDON, NC 28127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.47% |
| HENRY DUNN INC3 Filed as: HENRY HIGGISON | 1832 MEREDITH DRIVE NW ATLANTA, GA 30318 | CONTINENTAL AMERICAN INSURANCE COMPANY | $283 | $0 | $283 | 0.89% |
| WILLIAM M WARDLAW JR3 | 368 W PIKE ST STE 205 LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | $0 | $238 | 0.75% |
| CHARLES B MILLER3 | 2551 NORTH ARBOR TRAIL MARIETTA, GA 30066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $215 | $0 | $215 | 0.68% |
| NICHOLAS STILLS3 Filed as: NICHOLAS B STILLS | 1906 COURTSIDE LANE APT 102 CHARLOTTE, NC 28270 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | $0 | $160 | 0.50% |
| ANDREW D KOWN3 | 710 CREEK GARDEN CT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | $0 | $119 | 0.37% |
| SHIRLEY M LLOYD3 | 1176 ADAH CT LAWRENCEVILLE, GA 30043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | $0 | $52 | 0.16% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE NORTH PKWY SUITE 300 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | $0 | $48 | 0.15% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 2110 CHARMARIE CT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.10% |
| SANDEE K CARROLL3 | 121 CREEK HOLLOW DR WOODSTOCK, GA 30188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.09% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.05% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.05% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N. PKWY. SUITE 600 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.67% |
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 | 98 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 83 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 256 | $73K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 142 | $10K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 103 | $70K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 103 | $70K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 103 | $70K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 103 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.