| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 95 GLASTONBURY BOULEVARD, SUITE 406 GLASTONBURY, CT 06033 | GREATER GEORGIA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 3.41% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 800 WESTCHESTER AVENUE, SUITE S 714 RYE BROOK, NY 10573 | GREATER GEORGIA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 2.61% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 800 WESTCHESTER AVENUE, SUITE S 714 RYE BROOK, NY 10573 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $10K | $0 | $10K | 2.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICE LLC | PO BOX 66119 VIRGINIA BEACH, VA 23466 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $8K | $0 | $8K | 1.69% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL, LLC | 435 WHITTINGTON PARKWAY, SUITE 300 LOUISVILLE, KY 40222 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $0 | $1K | $1K | 0.22% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVENUE, 10TH FLOOR WHITE PLAINS, NY 10601 | VISION SERVICE PLAN | $916 | $0 | $916 | 1.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $623 | $0 | $623 | 1.02% |
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 | 1,938 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 73 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,026 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 941 | $5.1M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 1,448 | $5.6M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,448 | $545K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 2,041 | $542K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 2,041 | $542K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 2,041 | $542K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 941 | $5.1M |
| Other(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 2,041 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,041 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.