| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARISTA CONSULTING GROUP LLC3 Filed as: ARISTA CONSULTING GROUP, LLC | 4550 NORTH POINT PARKWAY, SUITE 250 ALPHARETTA, GA 30022 | SYMETRA LIFE INSURANCE COMPANY | $60K | $24K | $84K | 20.97% |
| ARISTA CONSULTING GROUP LLC3 | 4550 NORTH POINT PARKWAY SUITE 250 ALPHARETTA, GA 300222414 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $596 | — | $596 | 19.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS OF GEORGIA, INC. EIN 58-0469845 CLAIMS PROCESSING | Other services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $2.3M |
| BCBS HP OF GEORGIA, INC EIN 58-1638390 CLAIMS PROCESSING | Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing Service code 12 | — | $1.5M |
| EXPRESS SCRIPTS, INC EIN 16-1279199 CLAIMS PROCESSING | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; 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 | 9,526 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 5,009 | $402K |
| Prescription drug | ENVISION RX | 8,671 | $317K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. (G0385) | 9,315 | $703K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 5,009 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,315 | — |
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.