| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 606930628 | TOKIO MARINE HCC | — | $27K | $27K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 COHSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD HC PLAN OF GEORGIA | $43K | $3K | $46K | 14.81% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 4401 NORTHSIDE PARKWAY ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 4401 NORTHSIDE PARKWAY ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 5.25% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 4401 NORTHSIDE PARKWAY ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.11% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 4401 NORTHSIDE PARKWAY ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.28% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 4401 NORTHSIDE PARKWAY ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 4401 NORTHSIDE PARKWAY ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $482 | $482 | 5.35% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY | 4401 NORTHSIDE PARKWAY ATLANTA, GA 30327 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $450 | — | $450 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HC PLAN OF G EIN 58-1638390 ADMINISTRATOR | Claims processing; Contract Administrator; Float revenue; Other services Service code 12 | — | $374K |
| MARSH & MCLENNAN AGENCY LLC | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $100K |
| INGENIORX, INC. EIN 82-3062245 PRESCRIPTIONS | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $0 |
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 | 335 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD HC PLAN OF GEORGIA | 335 | $310K |
| Vision | BLUE CROSS BLUE SHIELD HC PLAN OF GEORGIA | 335 | $310K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 418 | $138K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 295 | $97K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 418 | $107K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 333 | $541K |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HC PLAN OF GEORGIA | 418 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.