| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | $294K | — | $294K | 13.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3625 N ELM ST 200 GREENSBORO, NC 27455 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | $0 | $40K | $40K | 1.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3625 N ELM ST GREENSBORO, NC 27455 | METROPOLITAN LIFE INSURANCE COMPANY | $141K | — | $141K | 13.38% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COPMANIES LLC | 3280 PEACHTREE RD NE NW STE 800 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | — | $26K | 2.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $13K | $13K | 1.19% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM INSURANCE COMPANY | $40K | $3K | $43K | 25.97% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANYIES LLC | 4725 PIEDMONT PARK STE 510 CHARLOTTE, NC 28210 | UNUM INSURANCE COMPANY | -$7K | — | -$7K | -4.12% |
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 | 1,940 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 3,109 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 3,109 | $2.2M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 3,109 | $2.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,363 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,363 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,363 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,363 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,363 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.