| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC (GA) | PO BOX 8299 PASADENA, CA 911098299 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $15K | $15K | 0.80% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1301 DOVE ST STE 200 NEWPORT BEACH, CA 92660 | RELIASTAR LIFE INSURANCE COMPANY | $122K | — | $122K | 9.33% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GROUP, LL | 701 B ST FL 6 SAN DIEGO, CA 92101 | RELIASTAR LIFE INSURANCE COMPANY | — | $79K | $79K | 6.00% |
| RINGMASTER INSURANCE AGENCY LLC3 | 5200 TOWN CENTER CIR STE 540 BOCA RATON, FL 334861018 | RELIASTAR LIFE INSURANCE COMPANY | — | $1K | $1K | 0.08% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICES GRP LLC | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $65K | — | $65K | 5.00% |
| AMERICAN BENEFITS AND COMPENSATION3 Filed as: AMERICAN BENEFITS & COMPENSATION SY | 101 PARK AVE 14TH FLOOR NEW YORK, NY 10178 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $26K | $26K | 2.02% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $506 | $506 | 0.04% |
| BSC AGENCY LLC7 | 1025 ASHWORTH ROAD STE 101 WEST DES MOINES, IA 50265 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111K | — | $111K | 19.97% |
| CFN AGENCY INC7 Filed as: CFN AGENCY, INC | 4450 RIVER GREEN PKWY 100A DULUTH, GA 30096 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 3.07% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 911098299 | VISION SERVICE PLAN | $9K | — | $9K | 2.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | 900 WESTPARK DRIVE SUITE T220 MCLEAN, VA 22102 | KAISER FOUNDATION HEALTH PLAN OF MIDATLANTIC | — | $2K | $2K | 1.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $713 | — | $713 | 0.42% |
| BENEFIT ADVISORS SERVICES GROUP LLC7 | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 8.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | STE 300 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 33.65% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6 | $6 | 0.01% |
| BENEFIT ADVISORS SERVICES7 | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 8.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | PO BOX 8299 DB EB OPERATING ACCOUNT PASADENA, CA 91109 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 4.00% |
| AON CONSULTING INC7 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41 | — | $41 | 2.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUM RX INC. EIN 33-0441200 TPA | Direct payment from the plan; Other fees; Float revenue; Claims processing Service code 12 | — | $9.4M |
| BLUE CROSS BLUE SHIELD HEALTHCARE P EIN 58-1638390 TPA | Other services; Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.4M |
| BUSINESSOLVER EIN 42-1503807 TPA | Claims processing Service code 12 | — | $466K |
| FEI BEHAVIORAL HEALTH EIN 39-1714534 TPA | Claims processing Service code 12 | — | $80K |
| LIFE INSURANCE COMPANY OF NORTH AME EIN 23-1503749 TPA | Claims processing; Plan Administrator Service code 12 | — | $48K |
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 | 4,130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,084 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 6 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 311 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,374 | $1.8M |
| Vision | VISION SERVICE PLAN | 2,051 | $378K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,059 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,608 | $207K |
| Long-term disability(5 contracts, 5 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 30 | $227K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 67 | $713K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 2,165 | $1.3M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,081 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,059 | — |
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.