| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29K | $0 | $29K | 3.52% |
| SHAWHANKINS3 Filed as: SHAWHANKINS, LLC | PO BOX 1298 CARTERSVILLE, GA 30120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 2.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 0.16% |
| MILLENNIUM BENEFITS CONSULTING3 | ONE LAKESIDE COMMONS, SUITE 990 ATLANTA, GA 30328 | BLUE CROSS AND BLUE SHIELD OF GEORGIA | $1K | $0 | $1K | 2.90% |
| SHAWHANKINS3 | 201 WEST MAIN STREET, SUITE 1298 CARTERSVILLE, GA 30120 | BLUE CROSS AND BLUE SHIELD OF GEORGIA | $794 | $0 | $794 | 1.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $1K | $0 | $1K | 37.06% |
| TATJE INS. & FINANCIAL PRODUCTS3 Filed as: TATJE INSURANCE AND FINANCIAL PROD. | 133 BELLE TERRE BOULEVARD LA PLACE, LA 70068 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $200 | $0 | $200 | 5.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $200 | $0 | $200 | 5.29% |
| LABOR FIRST LLC3 Filed as: LABOR-FIRST, LLC | 3000 MIDLANTIC DRIVE, SUITE 101 MOUNT LAUREL, NJ 08054 | HUMANA BENEFIT PLAN OF ILLINOIS, INC. | $150 | $0 | $150 | 3.97% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 94 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 165 | $625K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,060 | $845K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA | 915 | $48K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $823K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $823K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 317 | $823K |
| Prescription drug(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 165 | $625K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 371 | $838K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,060 | — |
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.