| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 360 BENEFITS LLC3 | 20 N CLARK STREET - SUITE 2825 CHICAGO, IL 60602 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $48K | — | $48K | 2.20% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5200 N PALM AVE - #114 FRESNO, CA 93704 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | — | $16K | $16K | 0.73% |
| USA HEALTH PLANS INC3 | 9236 MAIN STREET WOODSTOCK, GA 30188 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $2K | $8K | $10K | 0.45% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $34 | $23K | 9.72% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W, BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 5.10% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $34 | $3K | 15.13% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W - BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $691 | $242 | $933 | 5.05% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $34 | $3K | 15.42% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W - BLDG 16 SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $634 | $222 | $856 | 5.14% |
| TRIONFO3 | 333 WEST PIERCE ROAD, STE 190 ITASCA, IL 60143 | METLIFE LEGAL PLANS | $2K | $5K | $6K | 39.81% |
| 360 BENEFITS LLC3 | 20 N CLARK ST - STE 2825 CHICAGO, IL 60602 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $34 | $2K | 15.33% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $437 | $153 | $590 | 5.08% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 287 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $238K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $238K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $238K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.