| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | GUARDIAN | $59K | $43K | $102K | 5.25% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE N. PARKWAY SUITE 300 ATLANTA, GA 30339 | GUARDIAN | $15K | $9K | $24K | 1.22% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WARE AND ASSOCIATES | 3808 W SPRINGFIELD AVE SUITE C CHAMPAIGN, IL 61822 | GUARDIAN | $16K | — | $16K | 0.83% |
| TRUE NETWORK ADVISORS3 | 383 GUNTER AVE GUNTERSVILLE, AL 35976 | GUARDIAN | $7K | — | $7K | 0.38% |
| ELF VENTURES, LLC3 | 400 INTERSTATE NORTH PARKWAY SE STE 300 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | -$11 | — | -$11 | -0.01% |
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 | 1,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,431 | $102K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 2,431 | $102K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,431 | $102K |
| Life insurance | GUARDIAN | 1,488 | $1.9M |
| Short-term disability | GUARDIAN | 1,488 | $1.9M |
| Long-term disability | GUARDIAN | 1,488 | $1.9M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 2,431 | $102K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,431 | $102K |
| Other | GUARDIAN | 1,488 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,431 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.