| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOE COSTA ASSOCIATES INC3 Filed as: JOE COSTA & ASSOCIATES, INC | 3001 MONROE HWY SUITE 100 B BOGART, GA 30622 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31K | $148K | $179K | 2.23% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31K | $148K | $179K | 2.23% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 3400 OVERTON PARK DR STE 300 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $8K | $8K | 0.10% |
| JOE COSTA ASSOCIATES INC3 Filed as: JOE COSTA & ASSOCIATES | 3001 MONROE HWY SUITE 100-B BOGART, GA 30622 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $34K | $20K | $54K | 4.58% |
| MCGRIFF INSURANCE SERVICES INC3 | 645 HAMILTON ST SUITE #1002 ALLENTOWN, PA 18101 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $34K | $10K | $44K | 3.73% |
| JOE COSTA ASSOCIATES INC3 Filed as: JOE COSTA & ASSOCIATES, INC | 180 OAKBEND COURT ATHENS, GA 30606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 5.23% |
| JOE COSTA ASSOCIATES INC3 Filed as: JOE COSTA & ASSOCIATES, INC | 180 OAKBEND COURT ATHENS, GA 30606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 15.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 1825 BARRETT LAKES BLVD SUITE 320 KENNESAW, GA 30144 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $1K | $2K | 8.73% |
| JOE COSTA ASSOCIATES INC3 Filed as: JOE COSTA & ASSOCIATES, INC | 3001 MONROE HWY STE 100 B BOGART, GA 30622 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $1K | $106 | $1K | 5.60% |
| JOE COSTA ASSOCIATES INC3 Filed as: JOE COSTA & ASSOCIATES, INC | 3001 MONROE HWY STE 100 B BOGART, GA 30622 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $1K | — | $1K | 5.56% |
| MCGRIFF INSURANCE SERVICES INC3 | 214 N TRYON ST FLOOR 46 CHARLOTTE, NC 28202 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $97 | $33 | $130 | 0.51% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 12725 MORRIS ROAD EXT STE 200 ALPHARETTA, GA 30004 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | — | $70 | $70 | 0.28% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 1825 BARRETT LAKES BLVD SUITE 320 KENNESAW, GA 30144 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $2K | $3K | 11.72% |
| JOE COSTA ASSOCIATES INC3 Filed as: JOE COSTA & ASSOCIATES, INC | 3001 MONROE HWY SUITE 100 B BOGART, GA 30622 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
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 | 794 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 800 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 794 | $9.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 794 | $8.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 794 | $8.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 794 | $421K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 794 | $297K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 794 | $297K |
| Other(7 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 830 | $8.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 830 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.