| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $2K | $844 | $3K | 0.43% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | GREATER GEORGIA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.18% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD INSURANCE SERVICES, LLC | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 4.72% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $39 | $25K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF GA EIN 58-1638390 CLAIM RX NETWORK | Claims processing; Insurance brokerage commissions and fees; Other services; Other fees; Other commissions; Contract Administrator; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $338K |
| ADMIN AMERICA, INC FSA ADMIN | Claims processing Service code 12 | 1720 WINDWARD CONCOURSE SUITE 290 ALPHARETTA, GA 30005 | $8K |
| INGENIORX, INC. EIN 82-3062245 RX ADMIN | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $0 |
| IRONWOOD BENEFITS ADVISORY BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | 3715 NORTHSIDE PARKWAY NW ATLANTA, GA 30327 | $0 |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 19 | $97K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 985 | $0 |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | 985 | $707K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 985 | $0 |
| Short-term disability(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 985 | $109K |
| Long-term disability(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 985 | $109K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | 249 | $707K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 985 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 985 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.