| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LLOYD PRO GROUP INC3 Filed as: LLOYD PRO GROUP, INC | 2675 BRECKINRIDGE BLVD SUITE 100 DULUTH, GA 30096 | COVENTRY HEALTH CARE OF GEORGIA | $52K | $0 | $52K | 6.00% |
| BENEFIT MALL3 | 4851 LBJ FREEWAY #1100 DALLAS, TX 75244 | COVENTRY HEALTH CARE OF GEORGIA | $17K | $0 | $17K | 2.00% |
| LLOYD PRO GROUP INC3 Filed as: LLOYD PRO GROUP, INC | 2675 BRECKINRIDGE BLVD SUITE 100 DULUTH, GA 30096 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| LLOYD PRO GROUP INC3 | 2675 BRECKINRIDGE BLVD #100 DULUTH, GA 30096 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| LLOYD PRO GROUP INC3 Filed as: LLOYD PRO GROUP | 2675 BRECKINRIDGE BLVD #1100 DULUTH, GA 30096 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.00% |
| LLOYD PRO GROUP INC3 Filed as: LLOYD PRO GROUP | 2675 BRECKINRIDGE BLVD #100 DULUTH, GA 30096 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.00% |
| LLOYD PRO GROUP INC3 Filed as: LLOYD PRO GROUP, INC | 2675 BRECKINRIDGE BLVD SUITE 100 DULUTH, GA 30096 | COVENTRY HEALTH AND LIFE | $613 | $0 | $613 | 6.00% |
| BENEFIT MALL3 | 4851 LBJ FREEWAY #100 DULUTH, GA 75244 | COVENTRY HEALTH AND LIFE | $0 | $204 | $204 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADMIN AMERICA, INC EIN 20-3581707 FSA/HRA ADMINISTRATOR | Claims processing; Plan Administrator; Contract Administrator Service code 12 | 1720 WINDWARD CONCOURSE SUITE 290 ALPHARETTA, GA 30005 | $10K |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COVENTRY HEALTH CARE OF GEORGIA | 237 | $884K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 101 | $89K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $14K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $16K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $25K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.