| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHELDON BAKER BENEFITS GROUP LLC3 Filed as: SHELDON BAKER BENEFITS | SHELDON BAKER BENEFITS GROUP ATLANTA, GA 30342 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 18.40% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | UNITED PRODUCERS GROUP LLC MOUNT PLEASANT, SC 29464 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 4.60% |
| ERIS VENTURES LLC3 | 931 MONROE DRIVE ATLANTA, GA 30308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $16K | $25K | 30.09% |
| SHELDON BAKER BENEFITS GROUP LLC3 Filed as: SHELDON BAKER | 21 IVY TRAIL NORTHEAST ATLANTA, GA 30342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | — | $12K | 13.80% |
| CHARLES HILLIARD SHEPPARD3 | 3145 CORNER OAK DRIVE PEACHTREE CORNERS, GA 30071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 3.01% |
| SHELDON BAKER BENEFITS GROUP LLC3 | 21 IVY TRAIL NORTHEAST ATLANTA, GA 30342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $109 | $2K | 1.88% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $10 | $35 | 0.04% |
| MITCHELL HECTOR MORALES3 | 4679 SCORE COURT SNELLVILLE, GA 30039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.00% |
| BRANDON MARCELLO CENTO3 | 13816 FERNLEAF WAY CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 228 | $209K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 228 | $209K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 228 | $209K |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 228 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.