| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MGNMRB INC3 | 225 MARINA DR ST. SIMONS IS, GA 31522 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.04% |
| BENEFIT SPECIALIST GRP INC Filed as: BENEFIT SPECIALIST GROUP INC | 106 N 7TH ST CORDELE, GA 31015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.04% |
| BENEFIT SPECIALIST GRP INC Filed as: BENEFIT SPECIALIST GROUP, INC | 106 7TH STREET NORTH CORDELE, GA 31015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PARAGON BENEFITS EIN 58-1741732 THIRD PARTY ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 6065 BUSINESS PARK DR COLUMBUS, GA 31909 | $39K |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | U.S. FIRE INSURANCE | 133 | $382K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 231 | $43K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 27 | $5K |
| Short-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 133 | $16K |
| Stop-loss / reinsurancereinsurance | U.S. FIRE INSURANCE | 133 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.