| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC D/B/A INTREPID | 400 INTERSTATE N PKWY SE STE 300 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 6.32% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE N PKWY STE 300 ATLANTA, GA 303395000 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 16.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | SUITE 400S 12404 PARK CENTRAL DRIVE DALLAS, TX 752511800 | HUMANA INSURANCE COMPANY | $15 | — | $15 | 0.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PATRIOT GROWTH INSURANCE SVCS, LLC BROKER | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other insurance fees and expenses Service code 15 | 400 INTERSTATE N PKWY ATLANTA, GA 30339 | $47K |
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 | 255 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 145 | $910K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $133K |
| Vision | HUMANA INSURANCE COMPANY | 87 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $133K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $133K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 255 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.