| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELF VENTURES, LLC3 | 400 INTERSTATE NORTH PARKWAY SE SUITE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 0.39% |
| ELF VENTURES, LLC3 | 400 INTERSTATE NORTH PARKWAY SE SUITE 300 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $52K | $0 | $52K | 3.70% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES, LLC | 400 INTERSTATE NORTH PARKWAY SUITE 300 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | $0 | $22K | 1.53% |
| MATTHEW REDNOUR3 | 2550 MIDDLE ROAD, SUITE 300 BETTENDORF, IA 52722 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.84% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES, LLC | 400 INTERSTATE NORTH PARKWAY SUITE 300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $6K | 3.19% |
| GARY W WARE JR3 Filed as: GARY WARE, JR. | 3808 WEST SPRINGFIELD AVENUE SUITE D CHAMPAIGN, IL 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.16% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS, LLC | 622 ROOSEVELT ROAD, SUITE 240 SAINT CLOUD, MN 56301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $2K | $5K | 2.64% |
| BRADDEN PROBST3 | 3808 WEST SPRINGFIELD AVENUE SUITE D CHAMPAIGN, IL 61822 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.46% |
| ELF VENTURES, LLC3 | 400 INTERSTATE NORTH PARKWAY SUITE 300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $54 | $0 | $54 | 0.03% |
| ELF VENTURES, LLC3 | 400 INTERSTATE NORTH PARKWAY SUITE 300 ATLANTA, GA 30339 | NEW BENEFITS | $6K | $0 | $6K | 5.16% |
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 | 1,440 | 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) | 1,440 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,451 | $2.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,451 | $2.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,451 | $2.7M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,440 | $1.4M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,440 | $1.4M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,440 | $1.4M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 2,451 | $2.7M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,547 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,451 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.