| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $170K | $0 | $170K | 2.58% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $102K | $0 | $102K | 1.54% |
| GROUP RISK SPECIALISTS INC3 | 3340 PEACHTREE ROAD NE, SUITE 1525 ATLANTA, GA 30306 | METROPOLITAN LIFE INSURANCE COMPANY | $54K | $56 | $54K | 6.95% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $95 | $46K | 5.97% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $29K | $29K | 3.68% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $72K | $0 | $72K | 10.99% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $9K | $9K | 1.42% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.98% |
| MJ INSURANCE3 Filed as: JOHN KOWN II AND VARIOUS AGENTS | 1275 SHILOH ROAD, SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $557 | $0 | $557 | 2.19% |
| KEITH ANTHONY KLEINE3 Filed as: KEITH KLEINE | 2216 SPRUCEWOOD DRIVE ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $382 | $0 | $382 | 1.50% |
| KATHLEEN T BENES3 Filed as: KATHLEEN T. BENES | 249 WEATHERSTONE POINTE DRIVE WOODSTOCK, GA 30188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $373 | $0 | $373 | 1.47% |
| MATTHEW L CASTILLO3 Filed as: MATTHEW L. CASTILLO | 810 WEST GOFF DRIVE MARION, IN 46953 | CONTINENTAL AMERICAN INSURANCE COMPANY | $230 | $0 | $230 | 0.91% |
| METZGER ASSOCIATES INC3 Filed as: METZGER ASSOCIATES, INC. | 16295 CLARITY ROAD ALPHARETTA, GA 30004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $198 | $0 | $198 | 0.78% |
| MARK C LAMAR3 Filed as: MARK C. LAMAR | 1006 APPLE BLOSSOM DRIVE FLORENCE, KY 41042 | CONTINENTAL AMERICAN INSURANCE COMPANY | $191 | $0 | $191 | 0.75% |
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 | 1,086 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 47 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 841 | $6.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,529 | $775K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,529 | $775K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,529 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,529 | $1.4M |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,529 | $1.4M |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 841 | $6.6M |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,086 | $681K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,529 | — |
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."
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.