| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA INC. | $78K | -$75K | $3K | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUNLIFE ASSURANCE COMPANY OF CANADA | $28K | $10K | $38K | 1.41% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS AND BLUE SHIELD OF GA INC | $24K | -$23K | $782 | 0.03% |
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 | 2,778 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA INC. | 6,275 | $8.3M |
| Dental | BLUE CROSS AND BLUE SHIELD OF GA INC | 6,311 | $2.5M |
| Vision | BLUE CROSS AND BLUE SHIELD OF GA INC | 6,311 | $2.5M |
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 2,931 | $2.7M |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 2,931 | $2.7M |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 2,931 | $2.7M |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA INC. | 6,275 | $8.3M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA INC. | 6,275 | $8.3M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA INC. | 6,275 | $11.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,311 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.