| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENESYS ENTERPRISES LLC3 | 2451 CUMBERLAND PKWY SE, SUITE 3773 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $184K | $350 | $185K | 11.83% |
| GROUP RISK SPECIALISTS INC3 | 3340 PEACHTREE RD NE, SUITE 1525 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $77K | $7K | $84K | 5.34% |
| GENESYS ENTERPRISES LLC3 | 2451 CUMBERLAND PKWY SE, SUITE 3773 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $37K | — | $37K | 12.04% |
| GENESYS ENTERPRISES LLC3 | 2451 CUMBERLAND PKWY SE, SUITE 3773 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.77% |
| GENESYS ENTERPRISES LLC3 | 2451 CUMBERLAND PKWY SE, SUITE 3773 ATLANTA, GA 30339 | METLIFE LEGAL PLANS | $4K | — | $4K | 11.04% |
| GENESYS ENTERPRISES LLC3 | 2451 CUMBERLAND PKWY SE, SUITE 3773 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| GENESYS ENTERPRISES LLC3 | 2451 CUMBERLAND PKWY SE, SUITE 3773 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $702 | — | $702 | 13.00% |
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 | 1,560 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,560 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,133 | $1.9M |
| Vision(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,133 | $1.9M |
| Life insurance(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,133 | $2.0M |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 422 | $360K |
| Long-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,133 | $1.9M |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,133 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,133 | — |
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."
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.