| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BS HEALTHCARE OF GA3 | 3350 PEACHTREE ROAD, PO BOX 4445 ATLANTA, GA 30302 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $805K | $0 | $805K | 162.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 2305 RIVER ROAD LOUSIVILLE, KY 40206 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $0 | $77K | $77K | 15.51% |
| AP BENEFITS ADVISORS LLC3 | 200 INTERNATIONAL CIR STE 4500 HUNT VALLEY, MD 21030 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $0 | $34K | $34K | 6.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BS HEALTHCARE OF GA EIN 58-1638390 NONE | Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $608K |
| TRUESCRIPTS NONE | Other services; Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator Service code 12 | 513 E SOUTH ST WASHINGTON, IN 47501 | $120K |
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 | 849 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 851 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 1,480 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,480 | — |
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.