| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS HOUSTON LLC | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 1.47% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITS AT WORK INC | 3000 WINDY HILL RD SE, #672617 MARIETTA, GA 30006 | WELLFLEET | $64K | — | $64K | 62.84% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST, FL 6 SAN DIEGO, CA 92101 | WELLFLEET | $5K | — | $5K | 5.02% |
| DOUGLAS K RHOADS3 | 3580 WENNINGTON TRCE ALPHARETTA, GA 30004 | WELLFLEET | $5K | — | $5K | 4.50% |
| VBW INSURANCE SERVICES, INC3 | 2121 NEWMARKET PARKWAY SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $25K | — | $25K | 50.19% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 10.20% |
| DOUGLAS K RHOADS3 | 3580 WENNINGTON TRACE ALPHARETTA, GA 30004 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 35371 NETWORK PLACE CHICAGO, IL 606731353 | TRANSAMERICA LIFE INSURANCE COMPANY | $485 | — | $485 | 0.97% |
| AMERICAN BNFTS & COMP SYS INC3 Filed as: AMERICAN BNFTS & COMPENSATION SYS | 101 PARK AVE 14TH FL NEW YORK, NY 10178 | TRANSAMERICA LIFE INSURANCE COMPANY | $310 | — | $310 | 0.62% |
| ALLIANT INSURANCE SERVICES, INC.4 Filed as: ALLIANT INSURANCE SERVICES INC | FL 6 701 B ST SAN DIEGO, CA 92101 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 10.00% |
| PEAK POINT INTERNATIONAL LLC4 | 9220 WATERFORD LN POWDER SPRINGS, GA 30127 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 7.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SVCS INC | 2185 N. CALIFORNIA BLVD, SUITE 400 WALNUT CREEK, CA 94596 | HARTFORD LIFE AND ACCIDENT | — | $200 | $200 | 1.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS HEALTHCARE PLAN OF GEORGIA,INC EIN 58-1638390 CLAIMS PROCESSING | Contract Administrator; Claims processing; Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $296K |
| DELTA DENTAL INSURANCE COMPANY EIN 94-2761537 CLAIMS PROCESSING | Claims processing Service code 12 | — | $75K |
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 | 1,174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | EYEMED VISION CARE | 1,149 | $66K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,174 | $490K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,174 | $440K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,407 | $1.3M |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 1,174 | $621K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,407 | — |
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.