| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OPTIBEN LLC3 | 377 HIGHWAY 21, SUITE 100 MADISONVILLE, LA 70447 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $18K | $18K | 3.17% |
| ROGERS BENEFIT GROUP INC3 | 3300 W ESPLANADE AVE S SUITE 205 METAIRIE, LA 70002 | UNITED HEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 2.84% |
| OPTIBEN OF MISSISSIPPI LLC3 | 694 DAVIS CROSSING ROAD CANTON, MS 39046 | GUARDIAN | $13K | $5K | $18K | 18.08% |
| HITT & ASSOCIATES PA3 | 3930 SPALDING DR ATLANTA, GA 30350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $655 | — | $655 | 8.01% |
| HITT & ASSOCIATES PA3 | 3930 SPALDING DR ATLANTA, GA 30350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $562 | — | $562 | 10.00% |
| HITT & ASSOCIATES PA3 | 3930 SPALDING DR ATLANTA, GA 30350 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $277 | — | $277 | 10.01% |
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 | 96 | 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) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 86 | $553K |
| Dental | GUARDIAN | 93 | $99K |
| Vision | GUARDIAN | 93 | $99K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 93 | $113K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 93 | $102K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 93 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 93 | — |
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.