| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1640 POWERS FERRY ROAD SE BUILDING 26 SUITE 250 MARIETTA, GA 30067 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $31K | $0 | $31K | 4.54% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $3K | $0 | $3K | 0.43% |
| BENEFIT PLANNING SERVICES INC3 Filed as: THE BENEFIT PLANNING GROUP | 1640 POWERS FERRY ROAD SE MARIETTA, GA 30067 | THE STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 29.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 21.65% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 136 | $683K |
| Dental | THE STANDARD INSURANCE COMPANY | 148 | $21K |
| Vision | THE STANDARD INSURANCE COMPANY | 148 | $21K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 148 | $21K |
| Short-term disability | THE STANDARD INSURANCE COMPANY | 148 | $21K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 148 | $21K |
| Other | THE STANDARD INSURANCE COMPANY | 148 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.