| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | PO BOX 81308 ATHENS, GA 306081308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | — | $28K | 12.68% |
| MCGRIFF INSURANCE SERVICES INC3 | 1150 JULIAN DRIVE SUITE 100 WATKINSVILLE, GA 30677 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 1.36% |
| MCGRIFF INSURANCE SERVICES INC3 | 1900 5TH AVE. N. 19TH FLOOR BIRMINGHAM, AL 35203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $4K | $26K | 28.54% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE INC. | PO BOX 11407, DEPT 268 KOKOMO, IN 46902 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $1K | — | $1K | 5.70% |
| REGIONS INSURANCE INC3 | PO BOX 3198 LITTLE ROCK, AR 72203 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $807 | — | $807 | 3.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $226K |
| REGIONS INSURANCE INC EIN 71-0621654 BROKER | Other commissions Service code 55 | 12725 MORRIS EXT ALPHARETTA, GA 30004 | $48K |
| PARTNERS RX MANAGEMENT, LLC EIN 86-1042036 PHARMACY BENEFIT MNGMT | Direct payment from the plan; Other fees; Claims processing Service code 12 | — | $15K |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 352 | $93K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 330 | $24K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 352 | $93K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 349 | $221K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 349 | $221K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 352 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.