| 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 | $61K | $3K | $64K | 7.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC | $28K | $1K | $29K | 7.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | GREATER GEORGIA LIFE INSURANCE COMPANY | $35K | $4K | $39K | 16.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTHCARE EIN 58-1638390 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Other services; Claims processing Service code 12 | — | $401K |
| BLUE CROSS BLUE SHIELD HEALTHCARE 5 | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $239K |
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 | 450 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 450 | 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 | 622 | $841K |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC | 641 | $361K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC | 641 | $361K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 450 | $239K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 450 | $239K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 450 | $239K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 622 | $806K |
| Other | AMERICAN BEHAVIORAL BENEFIT MANAGERS, LLC | 444 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.