| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VXTRA PARTNERS3 | 2700 CUMBERLAND PARKWAY SUITE 140 ATLANTA, GA 30339 | HCC LIFE INSURANCE COMPANY | $13K | $0 | $13K | 2.01% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PARKWAY SUITE 140 ATLANTA, GA 30339 | ALLIED BENEFIT SYSTEMS, INC. | $0 | $94K | $94K | 14.39% |
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS, INC. | — | ALLIED BENEFIT SYSTEMS, INC. | $0 | $37K | $37K | 5.64% |
| MERITAIN HEALTH0 Filed as: AETNA LIFE INSURANCE COMPANY | — | ALLIED BENEFIT SYSTEMS, INC. | $0 | $35K | $35K | 5.44% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PARKWAY SUITE 140 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $24K | $0 | $24K | 10.01% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PARKWAY SUITE 140 ATLANTA, GA 30339 | DELTA DENTAL OF OHIO | $10K | $0 | $10K | 4.72% |
| VXTRA PARTNERS3 | 2700 CUMBERLAND PARKWAY SUITE 140 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.48% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLIED BENEFIT SYSTEMS, INC. | 175 | $651K |
| Dental | DELTA DENTAL OF OHIO | 530 | $208K |
| Vision | VISION SERVICE PLAN | 185 | $33K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 176 | $244K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 176 | $244K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 186 | $651K |
| Other | HARTFORD LIFE AND ACCIDENT | 176 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 530 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.