| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BNFTS ADVISORY SVCS LLC | 4401 NORTHSIDE PARKWAY, SUITE 800 ATLANTA, GA 30327 | BLUECROSS BLUESHIELD OF TEXAS | $102K | $2 | $102K | 2.43% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF TEXAS | $69K | $1 | $69K | 1.65% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BNFTS ADVISORY SVCS LLC | 3715 NORTHSIDE PARKWAY NW ATLANTA, GA 30327 | AETNA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 6.58% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 2.97% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BNFTS ADVISORY SVCS LLC | 4401 NORTHSIDE PARKWAY, SUITE 800 ATLANTA, GA 30327 | AETNA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.53% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $12K | $100K | $112K | 44.43% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BNFTS ADVISORY SVCS LLC | 4401 NORTHSIDE PARKWAY, SUITE 800 ATLANTA, GA 30327 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 727 | $4.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 657 | $357K |
| Vision | AETNA LIFE INSURANCE COMPANY | 657 | $357K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 657 | $609K |
| Short-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 657 | $609K |
| Long-term disability(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 657 | $609K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 727 | $4.2M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 657 | $609K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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.