| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SNELLINGS WALTERS INSURANCE AGENCY3 Filed as: SNELLINGS WALTERS INS AG | 1117 PERIMETER CTR W STE W101 ATLANTA, GA 30336 | STARMOUNT LIFE INSURANCE COMPANY | $60K | $10K | $69K | 14.39% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 280 E. 96TH STREET STE 250 INDIANAPOLIS, IN 46240 | STARMOUNT LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SNELLINGS WALTERS INSURANCE AGENCY3 Filed as: SNELLINGS WALTERS INS AG | 1117 PERIMETER CTR W STE W101 ATLANTA, GA 30336 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $5K | $47K | 16.38% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 280 E. 96TH STREET STE 250 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| SNELLINGS WALTERS INSURANCE AGENCY3 Filed as: SNELLINGS WALTERS INS AG | 1117 PERIMETER CTR W STE W101 ATLANTA, GA 30336 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $3K | $20K | 10.98% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 280 E. 96TH STREET STE 250 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| SNELLINGS WALTERS INSURANCE AGENCY3 Filed as: SNELLINGS WALTERS INS AG | 1117 PERIMETER CTR W STE W101 ATLANTA, GA 30336 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 10.91% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 280 E. 96TH STREET STE 250 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| SNELLINGS WALTERS INSURANCE AGENCY3 Filed as: SNELLINGS WALTERS INS AG | 1117 PERIMETER CTR W STE W101 ATLANTA, GA 30336 | UNUM INSURANCE COMPANY | $11K | $1K | $12K | 20.66% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 280 E. 96TH STREET STE 250 INDIANAPOLIS, IN 46240 | UNUM INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| SNELLINGS WALTERS INSURANCE AGENCY3 Filed as: SNELLINGS WALTERS INS AG | 1117 PERIMETER CTR W STE W101 ATLANTA, GA 30336 | UNUM INSURANCE COMPANY | $6K | $701 | $6K | 20.52% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 280 E. 96TH STREET STE 250 INDIANAPOLIS, IN 46240 | UNUM INSURANCE COMPANY | $0 | — | $0 | 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 | 1,190 | 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) | 1,193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 823 | $481K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 823 | $481K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,203 | $245K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $290K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 462 | $290K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,203 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,203 | — |
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.
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.