| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE CORPORATE BENEFITS4 | 2359 SAINT DAVIDS SQUARE KENNESAW, GA 30152 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $34K | $0 | $34K | 5.15% |
| HERITAGE CORPORATE BENEFITS3 Filed as: HERITAGE CORPORATE BENEFITS, LLC | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.45% |
| AMY L. KRAUS3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.94% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNION SECURITY INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 13.73% |
| HERITAGE CORPORATE BENEFITS4 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | PRE-PAID LEGAL SERVICES, INC. D/B/A LEGALSHIELD | $1K | $0 | $1K | 50.66% |
| J KEEBS & ASSOCIATES4 Filed as: J. KEEBS & ASSOCIATES | 1950 BUFORD DAM ROAD APT. 406 CUMMING, GA 30041 | PRE-PAID LEGAL SERVICES, INC. D/B/A LEGALSHIELD | $7 | $0 | $7 | 0.25% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | 159 | $657K |
| Dental | UNION SECURITY INSURANCE COMPANY | 78 | $40K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $35K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 178 | $99K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 178 | $63K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $35K |
| Other(3 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 178 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.