| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA,INC.(G0386) | $3K | $284 | $4K | 0.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. (G0385) | $1K | $116 | $2K | 0.04% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | STANDARD INSURANCE COMPANY | $1K | $194 | $1K | 11.79% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | THREE EMBARCADERO CENTER SUITE 600 SAN FRANCISCO, CA 94111 | GREATER GEORGIA LIFE INSURANCE COMPANY | $295 | $0 | $295 | 6.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEORGIA DENTAL INSURANCE SERVICES EIN 58-2329489 RELATED PARTY | Direct payment from the plan; Plan Administrator Service code 14 | — | $411K |
| LOCKTON INSURANCE EIN 20-3354970 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $150K |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $28K |
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 | 618 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA,INC.(G0386) | 805 | $12.5M |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. (G0385) | 703 | $3.6M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 667 | $16K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 667 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.