| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $7K | — | $7K | 20.00% |
| INTEGRO INSURANCE BROKERS3 | 3333 PIEDMONT ROAD NE, SUITE 1400 ATLANTA, GA 30305 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM BCBS EIN 58-0469845 NONE | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Direct payment from the plan; Contract Administrator Service code 12 | — | $6.0M |
| WILLIS TOWERS WATSON EIN 53-0181291 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $3.3M |
| UNITED HEALTHCARE EIN 36-2739571 NONE | Claims processing; Direct payment from the plan; Other services Service code 12 | — | $2.4M |
| SEDGWICK CMS EIN 36-2685608 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $2.3M |
| AETNA EIN 06-6033492 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Other services; Direct payment from the plan; Claims processing Service code 12 | — | $1.5M |
| REDBRICK HEALTH EIN 20-5250594 NONE | Direct payment from the plan; Other services Service code 49 | — | $1.5M |
| CIGNA EIN 06-0303370 NONE | Non-monetary compensation; Claims processing; Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Other services; Named fiduciary Service code 12 | — | $1.4M |
| EXPRESS SCRIPTS EIN 43-1420503 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $1.2M |
| CASTLIGHT HEALTH EIN 26-1989091 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $721K |
| FITBIT & FITBIT CHALLENGE EIN 20-8920744 NONE | Other services; Direct payment from the plan Service code 49 | — | $430K |
| DELTA DENTAL EIN 94-2761537 NONE | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $161K |
| SUNTRUST BANKS, INC. EIN 58-1575305 EMPLOYEE/AFFILIATE | Plan Administrator; Direct payment from the plan Service code 14 | — | $130K |
| THE BENEFITS ADVOCATES EIN 56-2244196 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $120K |
| CARR, RIGGS & INGRAM EIN 72-1396621 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $55K |
| AON CONSULTING EIN 22-2232264 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $11K |
| PEAK HEALTH EIN 56-1683079 NONE | Direct payment from the plan; Foreign entity (e.g., an agent or broker, bank, insurance company, etc. not operating within jurisdictional boundaries of the United States) Service code 40 | — | $10K |
| KPMG EIN 13-5565207 NONE | Direct payment from the plan; Consulting (general); Accounting (including auditing) Service code 10 | — | $6K |
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 | 23,565 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 130 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 23,695 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 1,752 | $8.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,586 | $646K |
| Vision(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 11,222 | $2.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 23,565 | $2.0M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 23,727 | $683K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 23,727 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.