| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORE BENEFIT SOLUTIONS LLC3 | 1409 NORTH HIGHLAND AVENUE NORTHEAS SUITE B1 ATLANTA, GA 30306 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $171K | — | $171K | 4.28% |
| CORE BENEFIT SOLUTIONS LLC3 | 1409 NORTH HIGHLAND AVENUE NORTHEAS SUITE B ATLANTA, GA 30306 | STANDARD INSURANCE COMPANY | $21K | — | $21K | 15.00% |
| CORE BENEFIT SOLUTIONS LLC3 | 1409 NORTH HIGHLAND AVENUE NORTHEAS SUITE B ATLANTA, GA 30306 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| CORE BENEFIT SOLUTIONS LLC3 | 1409 NORTH HIGHLAND AVENUE NORTHEAS SUITE B1 ATLANTA, GA 30306 | GREATER GEORGIA LIFE | $3K | — | $3K | 15.45% |
| CORE BENEFIT SOLUTIONS LLC3 | 1409 NORTH HIGHLAND AVENUE NORTHEAS ATLANTA, GA 30306 | STANDARD INSURANCE COMPANY | -$24 | — | -$24 | — |
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 | 743 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 505 | $4.0M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 505 | $4.0M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 505 | $4.0M |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 743 | $69K |
| Short-term disability(2 contracts, 2 carriers) | GREATER GEORGIA LIFE | 24 | $20K |
| Long-term disability | STANDARD INSURANCE COMPANY | 743 | $138K |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 505 | $4.0M |
| Other(4 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 743 | $4.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 743 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.