| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNETTE INSURANCE AGENCY Filed as: BURNETTE INSURANCE AGENCY, INC. | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | UNITED HEALTHCARE INSURANCE COMPANY | $65K | — | $65K | 5.95% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | P. O. BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $12K | $48K | 20.81% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.13% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY, INC. | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | UNUM LIFE INSURANCE COMPANY OF AMERICA, INC. | $6K | — | $6K | 19.99% |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 401 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $232K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $232K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $232K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.