| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $18K | — | $18K | 20.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 1104 AMHERST STREET WINCHESTER, VA 22601 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | -$2K | — | -$2K | -2.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & MCLENNAN AGENCY | PO BOX 70 WEST POINT, GA 318330070 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | GREATER GEORGIA LIFE INSURANCE | $1K | — | $1K | 3.24% |
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST STREET WINCHESTER, VA 22601 | GREATER GEORGIA LIFE INSURANCE | -$7 | — | -$7 | -0.02% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 W 10TH STREET WEST POINT, GA 31833 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 23.63% |
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 | 406 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 80 | $59K |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 689 | $91K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 689 | $91K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE | 407 | $45K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE | 407 | $45K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE | 407 | $45K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 689 | $91K |
| Other(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE | 407 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.