| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS SHIELD HEALTHCARE PLAN OF GEORGIA, INC | $71K | $1K | $72K | 15.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC | $47K | $897 | $48K | 15.09% |
| MARSH & MCLENNAN AGENCY LLC4 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | GREATER GEORGIA LIFE INSURANCE COMPANY | $34K | $2K | $36K | 18.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 200 BROOKSTONE CENTRE PARKWAY SUITE 118 COLUMBUS, GA 31904 | AMERICAN BEHAVIORAL BENEFIT MANAGERS, LLC | — | — | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 DULUTH, GA 30097 | AMERICAN BEHAVIORAL BENEFIT MANAGERS, LLC | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTHCARE 5 | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $91K |
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 | 409 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 536 | $500K |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC | 547 | $320K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC | 547 | $320K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 409 | $201K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 409 | $201K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 409 | $201K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 536 | $476K |
| Other | AMERICAN BEHAVIORAL BENEFIT MANAGERS, LLC | 364 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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.