| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | STANDARD INSURANCE COMPANY | $114K | $25K | $139K | 8.85% |
| BENEFIT HARBOR INSURANCE SERVICES3 Filed as: BENEFIT HARBOR, LP | 5445 LEGACY DRIVE, SUITE 250 PLANO, TX 75024 | STANDARD INSURANCE COMPANY | $0 | $81K | $81K | 5.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $23K | $0 | $23K | 4.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1050 CROWN POINTE PARKWAY SUITE 600 ATLANTA, GA 30338 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $12K | $0 | $12K | 3.09% |
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 | 2,281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 58 | $474K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 2,091 | $620K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,653 | $380K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,143 | $1.6M |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,143 | $1.6M |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,143 | $1.6M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 58 | $474K |
| Other(6 contracts, 6 carriers) | STANDARD INSURANCE COMPANY | 2,327 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,327 | — |
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.