| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIS BENEFITS, INC. Filed as: BIS BENEFITS INC | 1230 UPPER HEMBREE RD #200 ROSWELL, GA 30076 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC. | $83K | $286 | $83K | 5.02% |
| BIS BENEFITS, INC. Filed as: BIS BENEFITS INC | 1230 UPPER HEMBREE RD #200 ROSWELL, GA 30076 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC. | $11K | $41 | $11K | 5.04% |
| BIS BENEFITS, INC. Filed as: BIS BENEFITS INC | 10745 WESTSIDE WAY SUITE 250 ALPHARETTA, GA 30009 | HUMANA INSURANCE COMPANY | $15K | $6K | $21K | 13.77% |
| BIS BENEFITS, INC.3 Filed as: BIS BENEFITS | 1230 UPPER HEMBREE RD. SUITE 200 ROSWELL, GA 30076 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.00% |
| BIS BENEFITS, INC. Filed as: BIS BENEFITS INC | 1230 UPPER HEMBREE RD #200 ROSWELL, GA 30076 | HUMANA INSURANCE COMPANY | $2K | $834 | $3K | 12.07% |
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 | 251 | 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) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC. | 165 | $1.7M |
| Dental | HUMANA INSURANCE COMPANY | 193 | $155K |
| Vision | HUMANA INSURANCE COMPANY | 169 | $22K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 201 | $86K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 201 | $86K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 201 | $86K |
| 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."
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.