| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | 2500 CUMBERLAND PKWY SUITE 400 ATLANTA, GA 30339 | GREATER GEORGIA LIFE INSURANCE CO | $7K | — | $7K | 9.23% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | 2500 CUMBERLAND PKWY SUITE 400 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD OF GEORGIA | $6K | — | $6K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTH GA EIN 58-1638390 CLAIMS ADMIN | Plan Administrator; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $1.4M |
| STERLING RISK ADVISORS INC | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | — | $217K |
| EXPRESS SCRIPTS INC | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $163K |
| BLUE CROSS BLUE SHIELD HEALTH PL GA EIN 58-1638390 NETWORK PHARM MGN | Other fees Service code 99 | — | $29K |
| BLUE CROSS BLUE SHIELD OF GA EIN 58-0469845 NETWORK PHARM MGN | Other fees Service code 99 | — | $1K |
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 | 843 | 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) | 843 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF GEORGIA | 977 | $63K |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC | 843 | $258K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA | 977 | $63K |
| Life insurance(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE CO | 977 | $135K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF GEORGIA | 977 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 977 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.