| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESOURCE SEVEN3 | 500 LANIER AVE W STE 203 FAYETTEVILLE, GA 30214 | SUN LIFE INSURANCE | $15K | — | $15K | 10.04% |
| RESOURCE SEVEN3 | 500 LANIER AVE W STE 203 FAYETTEVILLE, GA 30214 | SUN LIFE INSURANCE | $23K | — | $23K | 16.11% |
| RESOURCE SEVEN3 | 500 LANIER AVE W STE 203 FAYETTEVILLE, GA 30214 | SUN LIFE INSURANCE | $14K | $0 | $14K | 21.79% |
| RESOURCE SEVEN3 | 500 LANIER AVE W STE 203 FAYETTEVILLE, GA 30214 | HUMANA | $2K | $209 | $2K | 8.80% |
| RESOURCE SEVEN3 | 500 LANIER AVE W STE 203 FAYETTEVILLE, GA 30214 | GREATER GEORGIA LIFE INSURANCE CO | $3K | — | $3K | 24.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS EIN 35-1846036 NONE | Plan Administrator; Other services; Claims processing Service code 12 | — | $68K |
| RESOURCE SEVEN EIN 27-3350028 NONE | Consulting (general); Insurance agents and brokers Service code 16 | 500 LANIER AVE W STE 203 FAYETTEVILLE, GA 30214 | $51K |
| CIGNA PPO EIN 59-1031071 NONE | Other services; Claims processing Service code 12 | — | $23K |
| DELPHI OF FLORIDA EIN 01-0580124 NONE | Other services; Claims processing Service code 12 | — | $8K |
| CLEAR HEALTH STRATEGIES EIN 27-1374374 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $7K |
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. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE INSURANCE | 166 | $151K |
| Vision | HUMANA | 101 | $25K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE INSURANCE | 152 | $79K |
| Short-term disability | SUN LIFE INSURANCE | 316 | $143K |
| Long-term disability | SUN LIFE INSURANCE | 316 | $143K |
| Other(2 contracts) | SUN LIFE INSURANCE | 316 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.