| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER | 11330 LAKEFIELD DRIVE BLDG 1 SUITE 100 JOHNS CREEK, GA 30097 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $40K | — | $40K | 4.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 70 WEST POINT, GA 31833 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | — | $14K | 13.14% |
| CASTLE BENEFITS GROUP INC3 | 800 KENNESAW AVE NW SUITE 160 MARIETTA, GA 30060 | PRINCIPAL LIFE INSURANCE COMPANY | -$8 | — | -$8 | -0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | PRINCIPAL LIFE INSURANCE COMPANY | -$833 | — | -$833 | -0.76% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 207 | $816K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 181 | $109K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 181 | $109K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 181 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.