| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 13.74% |
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | AMERITAS LIFE INSURANCE CORP. | $6K | $301 | $7K | 10.47% |
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 17.89% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 108 | $65K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 108 | $65K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $112K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $112K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $112K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 124 | $546K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 131 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.