| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERVICES, INC | 2111 EAST HIGHLAND AVE SUITE B210 PHOENIX, AZ 85016 | HCC LIFE INSURANCE COMPANY | $27K | — | $27K | 5.00% |
| TRICERION GROUP, LLC3 Filed as: TRICERION GROUP LLC | 3650 MANSELL RD STE 100 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 9.10% |
| CAPSTONE BENEFITS CONSULTING LLC3 Filed as: CAPSTONE BENEFITS CONSULTING, LLC | 1100 BRAMPTON AVE SUITE N STATESBORO, GA 30458 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $488 | — | $488 | 0.41% |
| HENNESY INSURANCE3 Filed as: HENNESY CORPORATION | 711 MADISON AVENUE NORTH DOUGLAS, GA 31533 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $399 | — | $399 | 0.33% |
| CAPSTONE BENEFITS CONSULTING LLC3 Filed as: CAPSTONE BENEFITS CONSULTING, LLC | 1100 BRAMPTON AVE SUITE N STATESBORO, GA 30458 | EYEMED VISION CARE | $2K | — | $2K | 3.02% |
| HENNESY INSURANCE3 | 711 MADISON AVENUE NORTH DOUGLAS, GA 31533 | EYEMED VISION CARE | $2K | — | $2K | 3.02% |
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 | 499 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 499 | $531K |
| Vision | EYEMED VISION CARE | 1,061 | $50K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $120K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $120K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 499 | $531K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,061 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.