| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUCKINGHAM INSURANCE SERVICES, INC.3 Filed as: BUCKINGHAM INSURANCE SERVICES INC | 301 HYDE PARK DOYLESTOWN, PA 18902 | GERBER LIFE INSURANCE COMPANY | $45K | — | $45K | 5.00% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE INSURANCE COMPANY | — | $8K | $8K | 1.29% |
| JAMES NEEDLE3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | $30K | — | $30K | 6.81% |
| JOHN GREENBAUM3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | $919 | — | $919 | 0.21% |
| JAMES RAIOLA3 | 125 METRO CENTER BOULEVARD WARWICK, RI 02886 | BLUE CROSS BLUE SHIELD OF RHODE ISLAND | $310 | $9K | $9K | 3.56% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 125 DULUTH, GA 30096 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.87% |
| RSC INSURANCE BROKERAGE INC3 | DBA RISK STRATEGIES CO 160 FEDERAL ST, FLOOR 2 BOSTON, MA 02110 | PRINCIPAL LIFE INSURANCE COMPANY | $466 | — | $466 | 1.77% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | — | $402 | $402 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Plan Administrator Service code 12 | — | $624K |
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 | 1,251 | 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) | 1,255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | GERBER LIFE INSURANCE COMPANY | 1,251 | $1.6M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 205 | $477K |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF TENNESSEE INC | 1,609 | $612K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE INSURANCE COMPANY | 1,618 | $611K |
| Long-term disability | HARTFORD LIFE INSURANCE COMPANY | 1,618 | $585K |
| Other | HARTFORD LIFE INSURANCE COMPANY | 1,618 | $585K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,618 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.