| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 | SIX CONCOURSE PARKWAY STE 2750 ATLANTA, GA 30328 | COVENTRY HEALTH CARE OF GEORGIA | $39K | — | $39K | 5.00% |
| THE BENEFIT COMPANY INC3 | SIX CONCOURSE PARKWAY STE 2750 ATLANTA, GA 30328 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $1K | $8K | 15.94% |
| THE BENEFIT COMPANY INC3 | SIX CONCOURSE PARKWAY STE 2750 ATLANTA, GA 30328 | COVENTRY HEALTH AND LIFE | $467 | — | $467 | 5.00% |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COVENTRY HEALTH CARE OF GEORGIA | 164 | $796K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $53K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $53K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $53K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.