| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT E PETERS3 | 950 E PACES FERRY RD STE 2000 ATLANTA, GA 30326 | BLUE SHIELD OF CALIFORNIA | $43K | — | $43K | 7.98% |
| PRITCHARD & JERDEN INC3 | 950 EAST PACES FERRY ROAD NE ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $19K | — | $19K | 4.03% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.82% |
| ROBERT E PETERS3 Filed as: ROBERT M SHULMAN | 5615 CLAIRE ROSE LANE ATLANTA, GA 30327 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 8.40% |
| PRITCHARD & JERDEN INC3 | 950 EAST PACES FERRY ROAD ONE ATLANTA PLAZA STE 2000 ATLANTA, GA 30326 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $9K | $13K | 5.95% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.76% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $141 | $141 | 0.69% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $285 | — | $285 | 20.00% |
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 | 671 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 97 | $1.0M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC | 648 | $591K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 534 | $292K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 645 | $513K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $223K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 671 | $399K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 97 | $544K |
| Stop-loss / reinsurancereinsurance | CIGNA | 1,325 | $97 |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 671 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,325 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.