| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | SYMETRA FINANCIAL | $168K | — | $168K | 3.17% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES INC. | 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | SYMETRA FINANCIAL | — | $151K | $151K | 2.86% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PKWY, SUITE 300 ALPHARETTA, GA 30009 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71K | — | $71K | 3.69% |
| ART HAUSER INSURANCE INC3 Filed as: ART HAUSER INSURANCE INC. | 5905 E GALBRAITH ROAD, SUITE 9000 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $31K | — | $31K | 4.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 3560 LENOX ROAD, SUITE 2400 ATLANTA, GA 30326 | HM LIFE INSURANCE COMPANY | $45K | — | $45K | 15.00% |
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 | 3,802 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,829 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SYMETRA FINANCIAL | 3,092 | $5.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,802 | $1.9M |
| Vision | HM LIFE INSURANCE COMPANY | 3,023 | $303K |
| Life insurance | STANDARD INSURANCE COMPANY | 3,415 | $645K |
| Prescription drug | SYMETRA FINANCIAL | 3,092 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,802 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.