| 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 | $33K | $4K | $37K | 19.55% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | UNITED PRODUCERS GROUP LLC MOUNT PLEASANT, SC 29464 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $16K | $16K | 8.39% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKRIDGE INSURANCE AGENCY LLC | OAKRIDGE INSURANCE AGENCY LLC LA GRANGE, GA 30240 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.65% |
| ERIS VENTURES LLC3 | 931 MONROE DRIVE ATLANTA, GA 30308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $3K | $13K | 12.51% |
| SHELDON BAKER BENEFITS GROUP LLC3 Filed as: SHELDON BAKER | 21 IVY TRAIL NORTHEAST ATLANTA, GA 30342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 6.59% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | 21 IVY TRAIL NORTHEAST ATLANTA, GA 30342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 4.59% |
| CHARLES HILLIARD SHEPPARD3 | 3145 CORNER OAK DRIVE PEACHTREE CORNERS, GA 30071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 2.81% |
| SHELDON BAKER BENEFITS GROUP LLC3 | 21 IVY TRAIL NORTHEAST ATLANTA, GA 30342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.11% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | 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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 208 | $187K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 208 | $187K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 208 | $187K |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 208 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.