| 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 | $67K | $3K | $71K | 6.83% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC | $29K | $1K | $30K | 6.83% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $32K | $8K | $39K | 18.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | GREATER GEORGIA LIFE INSURANCE COMPANY | $10K | — | $10K | 14.76% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTHCARE EIN 58-1638390 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Claims processing; Contract Administrator Service code 12 | — | $458K |
| BLUE CROSS BLUE SHIELD HEALTHCARE 5 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue Service code 12 | — | $335K |
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 | 491 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 491 | 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 | 663 | $1.1M |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC | 697 | $442K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC | 697 | $442K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 491 | $275K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 491 | $275K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 491 | $275K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 663 | $1.0M |
| Other | AMERICAN BEHAVIORAL BENEFIT MANAGERS, LLC | 467 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 697 | — |
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.