| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIKE DENDY | 5352 LACOSTA LANE ALPHARETTA, GA 30022 | TOKIO MARINE/BENEFIT MALL PREMIUM TRUST | $48K | $0 | $48K | 19.31% |
| CAPSTONE BENEFITS CONSULTING LLC3 Filed as: CAPSTONE BENEFITS CONSULTING INC | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | DELTA DENTAL OF TENNESSEE | $8K | $0 | $8K | 10.00% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $479 | $6K | 16.37% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $491 | $6K | 16.43% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $291 | $3K | 16.38% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $275 | $3K | 16.30% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $155 | $2K | 21.33% |
| 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 | $496 | $0 | $496 | 5.56% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $82 | $2K | 20.98% |
| CAPSTONE HIRE BENEFITS CONSULTING3 | 1100 BRAMPTON AVE STE N STATESBORO, GA 30458 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $952 | $89 | $1K | 16.40% |
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 | 174 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE/BENEFIT MALL PREMIUM TRUST | 203 | $249K |
| Dental | DELTA DENTAL OF TENNESSEE | 250 | $83K |
| Vision | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | 252 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $21K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 103 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $35K |
| Prescription drug | TOKIO MARINE/BENEFIT MALL PREMIUM TRUST | 203 | $249K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE/BENEFIT MALL PREMIUM TRUST | 203 | $249K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.