| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 323 WEST LAKESIDE AVENUE, SUITE 410 CLEVELAND, OH 44113 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $43K | $0 | $43K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, GA 30338 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $105K | $38K | $143K | 9.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | MEDMUTUAL | $63K | $0 | $63K | 21.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, IA 30338 | METROPOLITAN GENERAL INSURANCE COMPANY | $9K | $0 | $9K | 10.57% |
| BUSINESSOLVER.COM, INC.3 | 1025 ASHWORTH ROAD WEST DES MOINES, IA 50265 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $2K | $2K | 2.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 NORTH BRAND BOULEVARD 6TH FLOOR GLENDALE, CA 91203 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $1K | $1K | 1.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 5420 LYNDON B. JOHNSON FREEWAY SUITE 400 DALLAS, TX 75240 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $55 | $55 | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, GA 30338 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| ACRISURE LLC3 Filed as: FULCRO INSURANCE, INC. | PO BOX 9024048 SAN JUAN, PR 00902 | HUMANA INSURANCE OF PUERTO RICO, INC. | $1K | $0 | $1K | 7.29% |
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 | 4,265 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 279 | $1.3M |
| Dental(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 4,423 | $1.5M |
| Vision | VISION SERVICE PLAN | 2,102 | $245K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,587 | $1.4M |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,587 | $1.4M |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,587 | $1.4M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 279 | $1.2M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 4,587 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,587 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.