| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | $32K | $8K | $40K | 0.42% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | $3K | $0 | $3K | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | GREATER GEORGIA LIFE INSURANCE COMPANY | $23K | $8K | $31K | 7.26% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | GREATER GEORGIA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.99% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD, STE 200 HAUPPAUGE, NY 11788 | SYMETRA LIFE INSURANCE COMPANY | $0 | $22K | $22K | 7.09% |
| IBENEFIT COMMUNICATION LLC3 | 6230 FAIRVIEW ROAD, STE 210 CHARLOTTE, NC 28210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | $0 | $18K | 11.71% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, STE. 400 ANCHORAGE, AR 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 7.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DRIVE, SUITE 100 JOHNS CREEK, GA 30097 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $14K | $0 | $14K | 13.51% |
| PEAK POINT INTERNATIONAL LLC3 | 9220 WATERFORD LANE POWDER SPRINGS, GA 30127 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $6K | $0 | $6K | 22.20% |
| J KEEBS & ASSOCIATES3 Filed as: J KEEBS & ASSOCIATES LLC | 1810 BLOSSOM CREEK LANE CUMMING, GA 30040 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $697 | $0 | $697 | 2.64% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR. JOHNS CREEK, GA 30097 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $20 | $0 | $20 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DRIVE, STE 100 JOHNS CREEK, GA 30097 | TELADOC | $266 | $0 | $266 | 1.04% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $431 | $0 | $431 | 4.34% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $314 | $0 | $314 | 4.07% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $205 | $0 | $205 | 4.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR, STE 100 DULUTH, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $107 | $0 | $107 | 2.35% |
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 | 672 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 1,375 | $9.5M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 1,375 | $9.5M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 1,375 | $9.5M |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 672 | $410K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 736 | $429K |
| Long-term disability(5 contracts, 3 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 736 | $456K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 672 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,375 | — |
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.