| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTARISK3 Filed as: PENTARISK HOLDINGS LLC | 3715 NORTHSIDE PARKWAY BLDG 400 SUITE 550 ATLANTA, GA 30327 | COVENTRY HEALTH CARE OF GEORGIA | $14K | $0 | $14K | 6.00% |
| PENTARISK ASSOC. OF GA3 | 3715 NORTHSIDE PKWY STE 550 ATLANTA, GA 30327 | SECURITY LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 10.00% |
| LANCE SNIDER3 Filed as: LANCE SHNIDER/VBA | 2500 CORPORATE EXCHANGE DR. STE 132 COLUMBUS, OH 43231 | SECURITY LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 5.00% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $890 | $6K | 23.72% |
| KEYSTONE INS & BNFTS GRP LLC3 | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $738 | $5K | 23.89% |
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 | 311 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH CARE OF GEORGIA | 59 | $228K |
| Dental | SECURITY LIFE INSURANCE COMPANY OF AMERICA | 425 | $170K |
| Vision | SECURITY LIFE INSURANCE COMPANY OF AMERICA | 425 | $170K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 93 | $19K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.