| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES L RAINEY3 | 1580 MARS HILL RD SUITE C WATKINSVILLE, GA 30677 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $83K | — | $83K | 1.59% |
| JAMES L RAINEY3 Filed as: JAMES RAINEY, SR. | 1580 MARS HILL RD SUITE C WATKINSVILLE, GA 30677 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $18K | — | $18K | 0.35% |
| JAMES L RAINEY3 | 1580 MARS HILL RD SUITE C WATKINSVILLE, GA 30677 | HARTFORD LIFE AND ACCIDENT | $81K | — | $81K | 15.00% |
| JAMES L RAINEY3 | 1580 MARS HILL RD SUITE C WATKINSVILLE, GA 30677 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 10.00% |
| WEBTRA EMPLOYER SERVICES, LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $179 | $179 | 0.41% |
| JAMES L RAINEY3 | 1580 MARS HILL RD SUITE C WATKINSVILLE, GA 30677 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 10.00% |
| WEBTRA EMPLOYER SERVICES, LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | — | $87 | $87 | 0.45% |
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 | 1,049 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 520 | $5.2M |
| Dental | BLUE CROSS AND BLUE SHEILD OF GEORGIA, INC. | 649 | $327K |
| Vision | BLUE CROSS AND BLUE SHEILD OF GEORGIA, INC. | 649 | $327K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 881 | $538K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 90 | $19K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 881 | $538K |
| Other | HARTFORD LIFE AND ACCIDENT | 76 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 881 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.