| 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 | — | $1 | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | HARTFORD LIFE INSURANCE COMPANY | — | $10K | $10K | 1.80% |
| MARTIN KOOPER3 | 770 LEXINGTON AVENUE #14 NEW YORK, NY 10065 | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | $30K | — | $30K | 7.14% |
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $3K | $8K | $11K | 3.77% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 5668 CONCORD, CA 94520 | OXFORD HEALTH INSURANCE INC | $3K | — | $3K | 3.65% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 125 DULUTH, GA 30096 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $948 | — | $948 | 12.90% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $129 | $129 | 1.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $672 | — | $672 | 19.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 511398 LOS ANGELES, CA 90051 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $59 | $59 | 1.76% |
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 | 1,702 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 74 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 449 | $3.5M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 250 | $452K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 1,773 | $585K |
| Life insurance(4 contracts, 3 carriers) | HARTFORD LIFE INSURANCE COMPANY | 1,728 | $583K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $7K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE COMPANY | 1,728 | $558K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO | 859 | $1.1M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE INSURANCE COMPANY | 1,728 | $562K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,773 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.