| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DECISELY INSURANCE SERVICES INC3 Filed as: DECISELY | 12735 MORRIS RD SUITE 350 ALPHARETTA, GA 30004 | GRAVIE, INC. | $84K | — | $84K | 9.31% |
| DECISELY INSURANCE SERVICES INC3 | 108000 ALPHARETTA HWY SUITE 280 #784 ROSWELL, GA 30076 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $2K | $9K | 13.98% |
| DECISELY INSURANCE SERVICES INC3 | 1700 MONTGOMERY ST 240 SAN FRANCISCO, CA 94111 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 2.33% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDAR RAIDS, ID 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 15.85% |
| DECISELY INSURANCE SERVICES INC3 | 10800 ALPHARETTA HWY STE 208 ROSWELL, GA 30076 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $825 | — | $825 | 2.58% |
| TRUENORTH COMPANIES LC3 | 500 1ST ST SE CEDER RAPIDS, IA 52401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $325 | $1K | 16.06% |
| DECISELY INSURANCE SERVICES INC3 | 10800 ALPHARETTA HWY STE 208 ROSWELL, GA 30076 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $230 | — | $230 | 2.56% |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GRAVIE, INC. | 127 | $900K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $64K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $64K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $41K |
| Prescription drug | GRAVIE, INC. | 127 | $900K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 190 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.