| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | 6000 POPLAR STE 300 MEMPHIS, TN 38119 | BLUE CROSS BLUE SHIELD OF GEORGIA | $23K | — | $23K | 3.49% |
| THE A.I. GRUOP INC.3 | 12725 MORRIS RD, BLDG 100 STE 200 ALPHARETTA, GA 30004 | BLUE CROSS BLUE SHIELD OF GEORGIA | $11K | — | $11K | 1.72% |
| THE A.I. GROUP INC3 Filed as: THE A I. GROUP, INC. | P.O. BOX 80568 ATHENS, GA 30608 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 15.00% |
| AXA ASSISTANCE, USA5 | 122 S. MICHIGAN AVE. SUITE 1100 CHICAGO, IL 606066115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $105 | — | $105 | 0.07% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 6000 POPLAR SUITE 300 MEMPHIS, TN 38119 | UNITED CONCORDIA INSURANCE COMPANY | $10K | — | $10K | 8.49% |
| THE A.I. GROUP INC3 Filed as: THE A. I. GROUP, INC. | 12725 MORRIS ROAD BLDG. 100, SUITE 200 ALPHARETTA, GA 30004 | UNITED CONCORDIA INSURANCE COMPANY | $888 | — | $888 | 0.79% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 6000 POPLAR SUITE 300 MEMPHIS, TN 38119 | EYEMED VISION CARE | $1K | — | $1K | 8.67% |
| THE A.I. GROUP INC3 Filed as: THE A. I. GROUP, INC. | 12725 MORRIS ROAD BLDG. 100, SUITE 200 ALPHARETTA, GA 30004 | EYEMED VISION CARE | $277 | — | $277 | 1.70% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF GEORGIA | 122 | $646K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 335 | $112K |
| Vision | EYEMED VISION CARE | 253 | $16K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 313 | $161K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 313 | $161K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 313 | $161K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 313 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.