| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TERRY HOOKSTRA | 12211 HUEBNER ROAD SAN ANTONIO, TX 78230 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $18K | $0 | $18K | 1.67% |
| ERIC LARUE | 3070 CREEK FALLS WAY DULUTH, GA 30097 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $18K | $0 | $18K | 1.67% |
| EEMPLOYERS SOLUTIONS, INC. | 12211 HUEBNER ROAD SAN ANTONIO, TX 78230 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $0 | $30K | 8.00% |
| KILPATRICK COMPANIES LLC Filed as: KILPATRICK COMPANIES | 1050 WILCREST DRIVE HOUSTON, TX 77042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 2.00% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | 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. | 145 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 23 | $379K |
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 23 | $379K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 23 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.