| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITMALL3 | 5090 N 40TH STREET STE 100 PHOENIX, AZ 85018 | MRCO, LLC | $0 | $197K | $197K | 61.43% |
| CAPSTONE BENEFITS CONSULTING LLC3 Filed as: CAPSTONE BENEFITS CONSULTING, LLC | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | MRCO, LLC | $48K | $0 | $48K | 15.07% |
| CONTINENTAL BENEFITS3 Filed as: CONTINENTAL BENEFITS, LLC | 422 S KINGS AVE BRANDON, FL 33511 | MRCO, LLC | $0 | $40K | $40K | 12.51% |
| CIGNA3 Filed as: CIGNA GROUP INSURANCE | P O BOX 13701 PHILADELPHIA, PA 19101 | MRCO, LLC | $0 | $30K | $30K | 9.36% |
| ADVANCED MEDICAL PRICING3 | P O BOX 921695 NORCROSS, GA 30010 | MRCO, LLC | $0 | $5K | $5K | 1.64% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | GUARDIAN | $10K | $0 | $10K | 9.31% |
| CAPSTONE BENEFITS CONSULTING LLC3 Filed as: CAPSTONE BENEFITS CONSULTING, LLC | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | DELTA DENTAL OF TENNESSEE | $7K | $0 | $7K | 10.00% |
| CAPSTONE BENEFITS CONSULTING LLC3 Filed as: CAPSTONE BENEFITS CONSULTING, LLC | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $508 | $0 | $508 | 6.75% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $103 | $0 | $103 | 1.37% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MRCO, LLC | 189 | $321K |
| Dental | DELTA DENTAL OF TENNESSEE | 239 | $70K |
| Vision | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | 247 | $8K |
| Life insurance | GUARDIAN | 164 | $111K |
| Short-term disability | GUARDIAN | 164 | $111K |
| Long-term disability | GUARDIAN | 164 | $111K |
| Prescription drug | MRCO, LLC | 189 | $321K |
| Stop-loss / reinsurancereinsurance | MRCO, LLC | 189 | $321K |
| Other | GUARDIAN | 164 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.