| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | 6000 POPLAR STE 300 MEMPHIS, TN 38119 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $23K | — | $23K | 3.56% |
| THE A.I. GRUOP INC.3 | 12725 MORRIS RD, BLDG 100 STE 200 ALPHARETTA, GA 30004 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $11K | — | $11K | 1.76% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 6000 POPLAR AVE., SUITE 300 MEMPHIS, TN 381190928 | KAISER FOUNDATION HEALTH PLAN INC. | $25K | — | $25K | 4.97% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | P. O. BOX 2153 BIRMINGHAM, AL 352870002 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 12.02% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 1500 RIVERFRONT DRIVE SUITE 200 LITTLE ROCK, AR 722021745 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.55% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 6000 POPLAR AVE., STE 300 MEMPHIS, TN 381190928 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $547 | $11K | 15.81% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 6000 POPLAR AVE. STE. 300 MEMPHIS, TN 381190928 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $495 | $6K | 16.46% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 6000 POPLAR AVE., STE 300 MEMPHIS, TN 381190928 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $169 | $3K | 15.83% |
| 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. | P. O. BOX 80568 ATHENS, GA 30608 | EYEMED VISION CARE | $277 | — | $277 | 1.70% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | 6000 POPLAR AVE. STE 300 MEMPHIS, TN 381190928 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $110 | $2K | 15.71% |
| AXA ASSISTANCE, USA5 | 122 S. MICHIGAN AVE. SUITE 1100 CHICAGO, IL 606066115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $9 | $9 | — |
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 | 285 | 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) | 285 | 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. | 128 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $122K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 503 | $138K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $54K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $15K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $67K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 305 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.