| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCART GROUP INC3 Filed as: MCCART GROUP INC | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | UNITED CONCORDIA | $1K | $269 | $2K | 6.00% |
| DAVID BRUCKMAN3 | 195 BARROW DOWNS ALPHARETTA, GA 30004 | UNITED CONCORDIA | $1K | $0 | $1K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $137 | $1K | 9.59% |
| DAVID BRUCKMAN3 | 195 BARROW DOWNS ALPHARETTA, GA 30004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 8.59% |
| THE MCCART GROUP INC3 Filed as: MCCART GROUP INC | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $954 | $127 | $1K | 8.50% |
| DAVID BRUCKMAN3 | 195 BARROW DOWNS ALPHARETTA, GA 30004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $954 | $0 | $954 | 7.50% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $696 | $93 | $789 | 8.50% |
| DAVID BRUCKMAN3 | 195 BARROW DOWNS ALPHARETTA, GA 30004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $696 | $0 | $696 | 7.50% |
| ASSOCIATION MARKETING SPECIALISTS3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | AMERITAS LIFE INSURANCE CORP | $273 | $4 | $277 | 9.90% |
| DB HEALTHCARE CONSULTING0 | 195 BARROW DOWNS ALPHARETTA, GA 30004 | AMERITAS LIFE INSURANCE CORP | $118 | $26 | $144 | 5.15% |
| THE MCCART GROUP INC3 Filed as: MCCART GROUP INC | 2405 SATELLITE BLVD SUITE 125 DULUTH, GA 30096 | AMERITAS LIFE INSURANCE CORP | $22 | $0 | $22 | 0.79% |
| DAVID BRUCKMAN3 | 195 BARROW DOWNS ALPHARETTA, GA 30004 | AMERITAS LIFE INSURANCE CORP | $22 | $0 | $22 | 0.79% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA | 18 | $27K |
| Vision | AMERITAS LIFE INSURANCE CORP | 61 | $3K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 79 | $14K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 71 | $9K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $13K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 79 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.