| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HEAD CAPITAL | 2840 HILLCREEK DRIVE AUGUSTA, GA 30909 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $28K | $0 | $28K | 3.27% |
| ECP BENEFITS3 | 2838 HILLCREEK DRIVE AUGUSTA, GA 30909 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $10K | $0 | $10K | 1.22% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ACHS INSURANCE | 1201 TOWN PARK LANE EVANS, GA 30809 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $0 | $7K | $7K | 0.79% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HEAD CAPITAL ADVIS | — | UNION SECURITY INSURANCE COMPANY | $9K | $0 | $9K | 10.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | — | UNION SECURITY INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HEAD CAPITAL | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.45% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION STREET COLUMBIA, NC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $3K | 6.74% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 125 | $861K |
| Dental | UNION SECURITY INSURANCE COMPANY | 110 | $90K |
| Vision | UNION SECURITY INSURANCE COMPANY | 110 | $90K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $37K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $37K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.