| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | $0 | $6K | $6K | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | GREATER GEORGIA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 1.52% |
| DOUGLAS VAN RYN3 | 11330 LAKEFIELD DR., SUITE 100 JOHNS CREEK, GA 30097 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $46K | $0 | $46K | 37.95% |
| I BENEFIT COMMUNICATION LLC3 | 4400 PARK RD., SUITE 311 CHARLOTTE, NC 28209 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $46K | $0 | $46K | 37.95% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW DRIVE, STE. 210 CHARLOTTE, NC 28210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 13.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, STE. 400 ANCHORAGE, AR 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 7.40% |
| PEAK POINT INTERNATIONAL LLC3 | 9220 WATERFORD LANE POWDER SPRINGS, GA 30127 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | $0 | $5K | 24.08% |
| J KEEBS & ASSOCIATES3 Filed as: J KEEBS & ASSOCIATES LLC | 1810 BLOSSOM CREEK LANE CUMMING, GA 30040 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $775 | $0 | $775 | 3.47% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $411 | $0 | $411 | 4.28% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $345 | $0 | $345 | 4.19% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $240 | $0 | $240 | 4.45% |
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 | 526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 913 | $7.6M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 913 | $7.6M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 913 | $7.6M |
| Life insurance(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,234 | $659K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,234 | $537K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,234 | $537K |
| Other(5 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 190 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,234 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.