| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRE, LA 70009 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $159K | $159K | 6.71% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS, INC. | 2500 CUMBERLAND PKWY SE STE 400 ATLANTA, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $12K | $12K | 0.49% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST RD STE 122 ACWORTH, GA 30101 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.13% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST RD STE 122 ACWORTH, GA 30101 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | -$176 | -$176 | -0.01% |
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 | 606 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 606 | $2.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 606 | $2.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 606 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.