| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE ITASCA, IL 60143 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $20K | — | $20K | 1.04% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURACE CENTER | 2405 SATELLITE BOUELVARD SUITE 200 DULUTH, GA 30096 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $14K | — | $14K | 0.70% |
| MARTIN KOOPER3 | 770 LEXINGTON AVENUE #14 NEW YORK, NY 10065 | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | $63K | — | $63K | 6.71% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | HARTFORD LIFE INSURANCE COMPANY | — | $11K | $11K | 2.46% |
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | — | $8K | $8K | 3.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC NY | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | OXFORD HEALTH INSURANCE INC | $1K | — | $1K | 2.13% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 5668 CONCORD, CA 94520 | OXFORD HEALTH INSURANCE INC | $569 | — | $569 | 1.08% |
| RICHARD K. HOLMES3 Filed as: RICHARD K HOLMES | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $479 | $5K | 25.29% |
| RICHARD K. HOLMES3 Filed as: RICHARD K HOLMES | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $525 | — | $525 | 3.71% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN R GRIFFIN | 2000 MORRIS AVENUE SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $370 | — | $370 | 2.61% |
| RICHARD K. HOLMES3 Filed as: RICHARD K HOLMES | 414 MEADOWBROOK LANE BIRMINGHAM, AL 35213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $515 | $32 | $547 | 19.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $39 | — | $39 | 1.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET 21ST FLOOR SAN FRANCISCO, CA 94105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4 | $4 | 0.14% |
| A A LAROCCO & ASSOCIATES3 Filed as: A A LAROCCO AND ASSOCIATES INC | 5880 LIVE OAK PARKWAY SUITE 230 NORCROSS, GA 30093 | THE PAUL REVERE LIFE INSURANCE COMPANY | $114 | — | $114 | 4.32% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: THE NEW ENGLAND | ATTN TOWANA WHITEHURST 11225 N COMMUNITY HOUSE ROAD CHARLOTTE, NC 28277 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 1.78% |
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 | 1,312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,345 | 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 | 443 | $3.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 235 | $1.2M |
| Vision | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 235 | $943K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE COMPANY | 1,396 | $470K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $22K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE COMPANY | 1,396 | $489K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | 34 | $239K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 946 | $845K |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE INSURANCE COMPANY | 1,396 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,396 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.