| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5200 N PALM AVE #114 FRESNO, CA 93704 | BLUE CROSS BLUE SHIELD HEALTH CARE PLAN OF GEORGIA | $0 | $8K | $8K | 3.63% |
| ADVANCED INSURANCE STRATGIES3 | PO BOX 709 DALTON, GA 30720 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 4.90% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED INSURANCE STRATEGIES | 300 W. EMERY ST STE 205 DALTON, GA 30722 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED INSURANCE STRATEGIES | 300 W. EMERY ST STE 205 DALTON, GA 30722 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED INSURANCE STRATEGIES | 300 W. EMERY ST STE 205 DALTON, GA 30722 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.00% |
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 | 250 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 267 | $50K |
| Life insurance | STANDARD INSURANCE COMPANY | 241 | $35K |
| Short-term disability | STANDARD INSURANCE COMPANY | 241 | $27K |
| Long-term disability | STANDARD INSURANCE COMPANY | 241 | $35K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTH CARE PLAN OF GEORGIA | 150 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.