| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $164K | $164K | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $16K | $4K | $20K | 4.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 300971578 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 6.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR. STE 100 JOHNS CREEK, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 4.34% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 2.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 10.80% |
| MARSH & MCLENNAN AGENCY LLC3 | P. O. BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CARELONRX, INC. EIN 82-3062245 ADMINISTRATION | Contract Administrator; Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $0 |
| MARSH & MCLENNAN AGENCY EIN 26-3237576 BROKER | Other services; Other fees Service code 49 | — | $0 |
| BLUE CROSS BLUE SHIELD OF HEALTHCAR EIN 58-1638390 ADMINISTRATOR | Other services; Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | -$10 |
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 | 752 | 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) | 752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 384 | $6.3M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,432 | $433K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,432 | $433K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 752 | $368K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 752 | $368K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 752 | $368K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 752 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,432 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.