| 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 | $37K | $9K | $46K | 0.39% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $26K | $9K | $35K | 6.63% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | SYMETRA LIFE INSURANCE COMPANY | — | $19K | $19K | 5.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 360 E. VINE ST. STE 200 LEXINGTON, KY 40507 | SYMETRA LIFE INSURANCE COMPANY | — | $14K | $14K | 3.66% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 9.94% |
| IBENEFIT COMMUNICATION LLC3 | PO BOX 2973 CLINTON, IA 52733 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 5.08% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | GREATER GEORGIA LIFE INSURANCE COMPANY | $7K | — | $7K | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DRIVE, SUITE 100 JOHNS CREEK, GA 30097 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $4K | — | $4K | 3.45% |
| MARSH & MCLENNAN AGENCY LLC4 | 11330 LAKEFIELD DR. JOHNS CREEK, GA 30097 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | — | $5K | 17.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $490 | — | $490 | 4.78% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $347 | — | $347 | 4.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $240 | — | $240 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR, STE 100 DULUTH, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72 | — | $72 | 2.39% |
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 | 1,005 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,011 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 1,776 | $11.9M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 1,776 | $11.9M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 1,776 | $11.9M |
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,005 | $482K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 916 | $672K |
| Long-term disability(6 contracts, 4 carriers) | STANDARD INSURANCE COMPANY | 916 | $698K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 1,005 | $699K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,776 | — |
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."
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.