| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY SERV LLC | 3715 NORTHSIDE PKWY NW STE 1-500 ATLANTA, GA 30327 | AETNA LIFE INSURANCE COMPANY | $22K | $2K | $23K | 0.80% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 8401 73RD AVENUE NORTH BROOKLYN PARK, MN 55428 | PREFERREDONE INSURANCE COMPANY | $9K | — | $9K | 1.99% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD INSURANCE SERVICES | 3715 NORTHSIDE PKWY NW BLDG 100, STE 500 ATLANTA, GA 30327 | QCA HEALTH PLAN | $11K | — | $11K | 3.46% |
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 | 413 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 413 | $3.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 413 | $2.9M |
| Vision | AETNA LIFE INSURANCE COMPANY | 413 | $2.9M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 413 | $2.9M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 413 | $2.9M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 413 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.