| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST 200 GREENSBORO, NC 27455 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | $0 | $6K | $6K | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST 200 GREENSBORO, NC 27455 | GREATER GEORGIA LIFE INSURANCE COMPANY | $0 | $11K | $11K | 2.77% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 10.00% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK RD SUITE 311 CHARLOTTE, NC 28209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43K | $0 | $43K | 40.10% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | $0 | $23K | 21.61% |
| PEAK POINT INTERNATIONAL LLC4 | 9220 WATERFORD LN POWDER SPRINGS, GA 30127 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | $0 | $5K | 29.34% |
| J KEEBS & ASSOCIATES4 Filed as: J KEEBS & ASSOCIATES LLC | 1810 BLOSSOM CREEK LN CUMMING, GA 30040 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $789 | $0 | $789 | 4.30% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $478 | $0 | $478 | 4.24% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $324 | $0 | $324 | 4.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER 7 CO | STE 100 11330 LAKEFIELD DR DULUTH, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $146 | $0 | $146 | 2.57% |
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 | 504 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 1,101 | $5.1M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 1,101 | $5.1M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 1,101 | $5.1M |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 626 | $403K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 626 | $403K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 626 | $403K |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 1,101 | $5.1M |
| Other(6 contracts, 4 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 248 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,101 | — |
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.
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.