| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VCG CONSULTANTS LLC3 | 999 PEACHTREE ST NE STE 1500 ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $145K | $16K | $161K | 24.14% |
| VCG CONSULTANTS LLC3 Filed as: VCG CONSULTANTS | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 10.00% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE ST NE STE 1500 ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 3.45% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE ST NE STE 1500 ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $2K | $24K | 24.41% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE ST NE STE 1500 ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $2K | $20K | 24.58% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE ST NE STE 1500 ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $414 | $5K | 23.97% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE ST NE STE 1500 ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $492 | $492 | 3.23% |
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 | 517 | 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) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 456 | $5.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 461 | $580K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 461 | $580K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 939 | $879K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 461 | $678K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 461 | $1.2M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 544 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.