| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA INC. | $66K | $19K | $85K | 1.64% |
| MARSH & MCLENNAN AGENCY LLC4 | 2300 RENAISSANCE BLVD KINGS OF PRUSSIA, PA 19406 | BLUE CROSS AND BLUE SHIELD OF GA INC | $29K | $8K | $38K | 1.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | GREATER GEORGIA LIFE INSURANCE COMPANY | — | $28K | $28K | 1.30% |
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 | 2,477 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA INC. | 6,041 | $5.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF GA INC | 6,099 | $2.3M |
| Vision | BLUE CROSS AND BLUE SHIELD OF GA INC | 6,099 | $2.3M |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 2,477 | $2.2M |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 2,477 | $2.2M |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 2,477 | $2.2M |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA INC. | 6,041 | $5.2M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA INC. | 6,041 | $5.2M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA INC. | 6,041 | $7.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,099 | — |
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.