| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 LAKE FOREST, CA 92630 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $266K | $6K | $272K | 5.00% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $68K | — | $68K | 3.60% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | KAISER FOUNDATION HEALTH PLAN INC. | $124K | — | $124K | 7.03% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | — | $25K | 7.05% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 LAKE FOREST, CA 92630 | RELIASTAR LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 LAKE FOREST, CA 92630 | UNITED CONCORDIA INSURANCE COMPANY | $18K | — | $18K | 9.86% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PKWY W VEVA BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.38% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | VISION SERVICE PLAN | $2K | — | $2K | 3.83% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PKWY W VEVA BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $210 | $210 | 0.61% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $2K | — | $2K | 10.01% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 LAKE FOREST, CA 92630 | MUTUAL OF OMAHA INSURANCE COMPANY | $23 | — | $23 | 0.15% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | RELIASTAR LIFE INSURANCE COMPANY OF NEW YORK | $716 | — | $716 | 5.00% |
| MICHAEL HAND3 | 100 CORPORATE POINT, SUITE 210 CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
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 | 915 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 919 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 362 | $9.5M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 275 | $209K |
| Vision | VISION SERVICE PLAN | 271 | $47K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 868 | $215K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 310 | $114K |
| Long-term disability(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 293 | $5.5M |
| Prescription drug(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 362 | $9.5M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 868 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.