| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $49K | — | $49K | 3.52% |
| COVENANT ADMINISTRATORS LLC3 Filed as: COVENANT BENEFIT GROUP INC | 1698 LEGRAND CIRCLE LAWRENCEVILLE, GA 30043 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $15K | — | $15K | 1.09% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2000 ALAMEDA DE LAS PULGAS SUITE 101 SAN MATEO, CA 94403 | NATIONAL GUARDIAN LIFE | $10K | — | $10K | 4.32% |
| COVENANT BENEFITS GROUP INC3 | 1698 LEGRAND CIRCLE LAWRENCEVILLE, GA 30043 | NATIONAL GUARDIAN LIFE | $2K | — | $2K | 0.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 6.01% |
| COVENANT BENEFITS GROUP INC3 | 1698 LEGRAND CIRCLE SUITE 1100 LAWRENCEVILLE, GA 30043 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.17% |
| AXA ASSISTANCE, USA3 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $48 | $48 | 0.05% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 329 | $1.4M |
| Dental | NATIONAL GUARDIAN LIFE | 135 | $228K |
| Vision | NATIONAL GUARDIAN LIFE | 135 | $228K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 152 | $89K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 329 | $1.4M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 152 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.