| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AHS & ASSOCIATES INC4 Filed as: AHS INSURANCE CO | AUGUSTA WEST PARKWAY AUGUSTA, GA 30919 | BLUE CROSS BLUE SHIELD HEALTH CARE PLAN OF GA. | $112K | — | $112K | 2.99% |
| BENEFIT COORDINATORS, INC.3 Filed as: BENEFIT COORDINATORS, INC | 218 OAK STREET AUGUSTA, GA 30907 | BLUE CROSS BLUE SHIELD HEALTH CARE PLAN OF GA. | $54K | — | $54K | 1.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SOUTHERN BENEFITS ADMINISTRATOR EIN 62-1116095 NONE | Contract Administrator; Consulting (general) Service code 13 | P. O. BOX 1449 PKWAY GOODLETTSVILLE, TN 37070 | $94K |
| HORIZON ACTUARIAL SERVICES EIN 26-1370698 NONE | Actuarial Service code 11 | 900 ASHWOOD PARKWAY ATLANTA, GA 30338 | $13K |
| ROBEIN URANN & LURYE EIN 72-0999672 NONE | Legal Service code 29 | 2540 SEVERN AVE , STE 400 METAIRE, LA 70009 | $10K |
| DENNIS G. JENKINS,CPA,LLC EIN 20-5886120 NONE | Accounting (including auditing) Service code 10 | 1690 STONE VILLAGE LN KENNESAW, GA 30152 | $10K |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 76 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTH CARE PLAN OF GA. | 379 | $3.7M |
| Life insurance | GREATER GA LIFE INSURANCE COMPANY | 353 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.