| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $45K | $0 | $45K | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $1K | $0 | $1K | 0.09% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 13.05% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 WEST SAND LAKE ROAD, SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | 1031 WEST 4TH AVENUE, SUITE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 27.25% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 15.02% |
| JOSEPH BAILEY DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $807 | $0 | $807 | 5.59% |
| STEPHANIE K NUCKOLLS3 Filed as: STEPHANIE K. NUCKOLLS | 284 KESWICK DRIVE CHATSWORTH, GA 30705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $415 | $0 | $415 | 2.87% |
| MJ INSURANCE3 Filed as: DUSTIN JOHNSON AND VARIOUS AGENTS | 58 MODA LANE ATLANTA, GA 30316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $141 | $0 | $141 | 0.98% |
| AUSTIN J RICE3 Filed as: AUSTIN JAMES RICE | 2202 TAYSIDE XING NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.44% |
| BRYAN D FISH3 Filed as: BRYAN D. FISH | 4050 CANDLE LIGHT DRIVE DAYTON, MD 21036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.21% |
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 | 889 | 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) | 893 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,445 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,445 | $1.3M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,445 | $1.3M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 889 | $104K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 889 | $104K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 889 | $104K |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,445 | $1.3M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 889 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,445 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.