| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUTCHISON-TRAYLOR INS AGENCY3 | PO BOX 1049 LAGRANGE, GA 30240 | BLUE CROSS BLUE SHIELD OF GEORGIA INC | $18K | — | $18K | 5.00% |
| HUTCHISON-TRAYLOR INS AGENCY3 | PO BOX 1049 LAGRANGE, GA 302410019 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 5.74% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATION SERVICES INC | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 1.61% |
| HUTCHISON-TRAYLOR INS AGENCY3 | PO BOX 1049 LAGRANGE, GA 302410019 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 9.80% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.59% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC (JHMH) | $23K | $1K | $25K | 22.25% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC (THC) | $17K | $379 | $17K | 20.05% |
| HUTCHISON-TRAYLOR INS AGENCY3 | PO BOX 1049 LAGRANGE, GA 30240 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $11K | $196 | $11K | 17.34% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC (HSC) | $2K | $112 | $2K | 23.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HCC LIFE INSURANCE COMPANY EIN 58-0970646 STOP LOSS CARRIER | Insurance services Service code 23 | — | $372K |
| HUTCHINSON TRAYLOR INSURANCE CO EIN 58-0297410 BROKER | Insurance agents and brokers Service code 22 | — | $144K |
| PARAGON BENEFITS, INC EIN 58-1741732 THIRD PARTY ADMIN. | Contract Administrator Service code 13 | — | $97K |
| BLUE CROSS AND BLUE SHIELD OF GEORG EIN 58-0469845 CLAIMS PROCESSING | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | $89K |
| BLUE CROSS BLUE SHIELD OF GEORGIA EIN 58-0469845 CLAIMS PROCESSING | Other services; Claims processing; Float revenue; Contract Administrator; Employee (plan sponsor) Service code 12 | — | $62K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 PRE-CERT PROVIDER | Insurance services Service code 23 | — | $14K |
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 | 574 | 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) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 410 | $66K |
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA INC | 491 | $366K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 410 | $66K |
| Life insurance | STANDARD INSURANCE COMPANY | 574 | $145K |
| Long-term disability | STANDARD INSURANCE COMPANY | 574 | $256K |
| Other(3 contracts, 3 carriers) | AFLAC (JHMH) | 141 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.