| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | ANTHEM BLUE CROSS BLUE SHIELD | $540K | — | $540K | 1.69% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS AND CONS | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | ANTHEM BLUE CROSS AND BLUE SHIELD | $415K | — | $415K | 2.69% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | DELTA DENTAL INSURANCE COMPANY | $688K | — | $688K | 5.64% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE BROKERS AND CONS | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | ANTHEM BLUE CROSS AND BLUE SHIELD | $449K | — | $449K | 12.84% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | EYEMED | $152K | — | $152K | 13.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE BROKERS | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | DELTA DENTAL INSURANCE COMPANY | $35K | — | $35K | 7.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CTR | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | MEDCO CONTAINMENT LIFE INSURANCE COMPANY | $0 | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| APTIA INSURANCE SERVICES GROUP LLC CONTRACT ADMIN | Contract Administrator Service code 13 | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | $2.2M |
| CAP FINANCIAL PARTNERS, LLC FINANCIAL ADVIS | Investment management Service code 28 | 4208 6 FORKS ROAD SUITE 1700 RALEIGH, NC 27609 | $84K |
| EPIC EDGEWOOD PARTNERS INS CENTER BROKER | Insurance services Service code 23 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | $69K |
| MORRIS MANNING AND MARTIN LLP ATTORNEY | Legal Service code 29 | 990 HAMMOND DRIVE NE SUITE 300 ATLANTA, GA 30328 | $63K |
| BAD RHINO MARKETING AGCY | Other services Service code 49 | 17 WEST GAY STREET SUITE 100 WEST CHESTER, PA 19380 | $58K |
| WARREN AVERETT ACC/AUDITOR | Accounting (including auditing) Service code 10 | 3500 LENOX ROAD NE SUITE 500 ATLANTA, GA 30326 | $48K |
| HOSTING CONNECTICUT LLC WEB HOSTING CO | Other fees Service code 99 | 75 WYNDEMERE LANE WINDSOR, CT 06095 | $23K |
| MEDICARE CHOICE GROUP PARTICIPANT COMMUNICATION | Participant communication Service code 38 | 2124 RACE STREET PHILADELPHIA, PA 19103 | $20K |
| LEGACY GRAPHICS MARKETING AGENCY | Other services Service code 49 | 50 SATELLITE BOULEVARD SUWANEE, GA 30024 | $17K |
| FLIMP MEDIA, INC BENEFIT COMMUNICATIONS | Other fees Service code 99 | 2 HAYDEN ROWE STREET HOPKINTON, MA 01748 | $8K |
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 | 26,259 | 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) | 26,259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | ANTHEM BLUE CROSS BLUE SHIELD | 14,094 | $51.0M |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 19,707 | $12.7M |
| Vision | EYEMED | 15,497 | $1.1M |
| Prescription drug | MEDCO CONTAINMENT LIFE INSURANCE COMPANY | 0 | $0 |
| Other | ANTHEM BLUE CROSS BLUE SHIELD | 14,094 | $32.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,707 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.