| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENCORE ADVISORS3 Filed as: ENCORE ADVISORS LLC | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $9K | $0 | $9K | 1.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 125 HIGH STREET 22ND FL BOSTON, MA 02110 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $2K | $0 | $2K | 0.23% |
| ENCORE ADVISORS3 | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 10.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $998 | $6K | 3.90% |
| ENCORE ADVISORS3 Filed as: ENCORE ADVISORS LLC | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $435 | $6K | 12.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $271 | $2K | 5.27% |
| ENCORE ADVISORS3 Filed as: ENCORE ADVISORS LLC | 5300 TRIANGLE PARKWAY SUITE 201 PEACHTREE CORNERS, GA 30092 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $155 | $2K | 10.75% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | STARMOUNT LIFE INSURANCE COMPANY | $521 | $87 | $608 | 3.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTHCARE EIN 58-1638390 CARRIER | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Other services Service code 12 | — | $172K |
| ALLIANT INSURANCE SERVICES INC BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 701 B ST 6TH FL SAN DIEGO, CA 92101 | $0 |
| ENCORE ADVISORS LLC BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions; Non-monetary compensation Service code 22 | 5300 TRIANGLE PKWY PEACHTREE CORNERS, GA 30092 | $0 |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 214 | $941K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 215 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $159K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $159K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $159K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 214 | $941K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 258 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.