| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIS BENEFITS, INC. Filed as: BIS BENEFITS INC. | 10745 WESTSIDE WAY SUITE 250 ALPHARETTA, GA 30009 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $59K | — | $59K | 4.51% |
| BIS BENEFITS, INC. Filed as: BIS BENEFITS INC | 10745 WESTSIDE WAY SUITE 250 ALPHARETTA, GA 30009 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $12K | $0 | $12K | 4.43% |
| BIS BENEFITS, INC. Filed as: BIS BENEFITS INC. | 10745 WESTSIDE WAY SUITE 250 ALPHARETTA, GA 30009 | HUMANA INSURANCE COMPANY | $12K | $9K | $21K | 15.78% |
| BIS BENEFITS, INC. Filed as: BIS BENEFITS | 1230 UPPER HEMBREE RD #200 ROSWELL, GA 30076 | STANDARD INSURANCE COMPANY | $12K | $2K | $14K | 17.80% |
| BIS BENEFITS, INC. | 1230 UPPER HEMBREE ROAD #200 ALPHARETTA, GA 30076 | STANDARD INSURANCE COMPANY | $11K | $2K | $13K | 17.77% |
| BIS BENEFITS, INC. Filed as: BIS BENEFITS INC. | 1230 UPPER HEMBREE RD #200 ROSWELL, GA 30076 | STANDARD INSURANCE COMPANY | $4K | $1K | $6K | 11.13% |
| BIS BENEFITS, INC. Filed as: BIS BENEFITS INC | 10745 WESTSIDE WAY SUITE 250 ALPHARETTA, GA 30009 | HUMANA INSURANCE COMPANY | $1K | $1K | $3K | 14.95% |
| BIS BENEFITS, INC. Filed as: BIS BENEFITS, INC | 1230 UPPER HEMBREE RD #200 ROSWELL, GA 30076 | STANDARD INSURANCE COMPANY | $2K | $285 | $2K | 22.78% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 124 | $1.3M |
| Dental | HUMANA INSURANCE COMPANY | 155 | $131K |
| Vision | HUMANA INSURANCE COMPANY | 119 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 21 | $79K |
| Short-term disability | STANDARD INSURANCE COMPANY | 201 | $52K |
| Long-term disability | STANDARD INSURANCE COMPANY | 201 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.