| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 | SIX CONCOURSE PARKWAY STE 2750 ATLANTA, GA 30328 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 8.00% |
| THE BENEFIT COMPANY INC3 | SIX CONCOURSE PARKWAY STE 2750 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $624 | $6K | 17.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTHCARE EIN 58-1638390 N/A | Claims processing; Float revenue; Other fees; Other services Service code 12 | — | $99K |
| THE BENEFIT COMPANY N/A | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | SIX CONCOURSE PKWY, STE 2750 ATLANTA, GA 30328 | $0 |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 128 | $81K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $31K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $31K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA | 169 | $155K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 62 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.