| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | BLUE CROSS AND BLUE SHIELD OF GEORGIA | $31K | $1K | $32K | 10.38% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET SUITE 21 SAN FRANCISCO, CA 94105 | GREATER GEORGIA LIFE INSURANCE COMPANY | $98K | $21K | $119K | 41.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | FEDERAL INSURANCE COMPANY | $2K | $424 | $2K | 19.01% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA | $90K | — | $90K | — |
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 | 492 | 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) | 492 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA | 651 | $0 |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA | 1,076 | $306K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA | 1,076 | $306K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 651 | $283K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 651 | $283K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 651 | $283K |
| Other | FEDERAL INSURANCE COMPANY | 442 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,076 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.