| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESOURCE ALLIANCE LLC3 | 1725 WINDWARD CONCOURSE SUITE 100 ALPHARETTA, GA 30005 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $107K | $0 | $107K | 2.31% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $27K | $0 | $27K | 0.57% |
| RESOURCE ALLIANCE LLC3 | 1725 WINDWARD CONCOURSE STE 100 ALPHARETTA, GA 30005 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $3K | $26K | 4.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 BLDG 1 JOHNS CREEK, GA 30097 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE PARK 80 W PLAZA TWO SUITE 400 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.24% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE SUITE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.82% |
| TONYA S LANCASTER3 | 1992 CHEYANNE DRIVE SMYRNA, GA 30080 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.66% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY INC | 3447 LAWRENCEVILLE SUWANNE RD SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.51% |
| CINDY WILLIAMS3 Filed as: CINDY T WILLIAMS | 1925 CATAMARAN DRIVE NAVARRE, FL 32566 | TRANSAMERICA LIFE INSURANCE COMPANY | $676 | $0 | $676 | 0.63% |
| BRENDA DELONG BENARY3 Filed as: BRENDA J DELONG | 941 SE WAITERS TERRACE PORT SAINT LUCIE, FL 34983 | TRANSAMERICA LIFE INSURANCE COMPANY | $654 | $0 | $654 | 0.61% |
| WALDORFF INSURANCE & BONDING INC3 | 45 NE EGLIN PARKWAY SUITE 202 FORT WALTON BEACH, FL 32548 | TRANSAMERICA LIFE INSURANCE COMPANY | $349 | $0 | $349 | 0.33% |
| RESOURCE ALLIANCE LLC3 | 1725 WINDWARD CONCOURSE SUITE 100 ALPHARETTA, GA 30005 | TRANSAMERICA LIFE INSURANCE COMPANY | $176 | $0 | $176 | 0.16% |
| ROBERT FISH3 Filed as: ROBERT M FISH | 450 PARK PLACE COURT SUWANEE, GA 30024 | TRANSAMERICA LIFE INSURANCE COMPANY | $45 | $0 | $45 | 0.04% |
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 | 647 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 1,026 | $4.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,508 | $571K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,508 | $571K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,508 | $678K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,508 | $571K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,508 | $678K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,508 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.