| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DRIVE, SUITE 100 DULUTH, GA 30097 | HCC LIFE INSURANCE COMPANY | $113K | — | $113K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH Y MCLENNAN AGENCY | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | HCC LIFE INSURANCE COMPANY | — | $32K | $32K | 4.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $17K | $18K | $35K | 7.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO | 11330 LAKEFIELD DR STE 100 DULUTH, GA 300971578 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 5.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 1330 NORTH PARK ST CARROLLTON, GA 30117 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 4.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARCH & MCLENNAN AGENCY LLC | PO BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 1.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR STE 100 JOHNS CREEK, GA 30097 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | P. O. BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC. EIN 35-1846036 PROVIDER | Claims processing; Other services; Plan Administrator Service code 12 | — | $418K |
| FIRST HEALTH EIN 20-1736437 PROVIDER | Claims processing; Other services Service code 12 | — | $46K |
| MARSH & MCCLENNAN AGENCY LLC EIN 36-1436000 BROKER | Insurance agents and brokers; Consulting (general) Service code 16 | — | $20K |
| TELADOC EIN 04-3705970 PROVIDER | Other services; Claims processing; Plan Administrator Service code 12 | — | $17K |
| EDISON HEALTHCARE NETWORKS, LLC EIN 82-2140485 PROVIDER | Other services; Claims processing Service code 12 | — | $7K |
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 | 691 | 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) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,521 | $470K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,521 | $470K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 691 | $333K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 691 | $333K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 691 | $333K |
| Other(3 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 779 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,521 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.