| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE HLTH AND BEN SOLUT LLC3 | P O BOX 15035 SAVANNAH, GA 31416 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $42K | — | $42K | 2.36% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | P O BOX 724137 ATLANTA, GA 31139 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $4K | — | $4K | 0.22% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSU AND FIN SVCES LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $427 | — | $427 | 0.02% |
| DAVID E. DEWITT3 Filed as: DAVID HUNSINGER | 37 W FAIRMONT AVE SUITE 207 SAVANNAH, GA 31406 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $7K | $3K | $11K | 14.20% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 950 EAST PACES FERRY ROAD NE SUITE 200 ATLANTA, GA 30326 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.63% |
| DAVE W HUNSINGER3 Filed as: DAVE HUNSINGER | 37 W FAIRMONT AVE SUITE 207 SAVANNAH, GA 31406 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $7K | $3K | $10K | 16.80% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 950 EAST PACES FERRY ROAD NE SUITE 200 ATLANTA, GA 30326 | THE GUARDIAN INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.46% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 135 | $1.8M |
| Dental | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 117 | $75K |
| Vision | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 117 | $75K |
| Life insurance | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 163 | $59K |
| Short-term disability | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 163 | $59K |
| Long-term disability | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 163 | $59K |
| Other | THE GUARDIAN INSURANCE COMPANY OF AMERICA | 163 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.