| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHASTAIN AND ASSOCIATES3 | 272 W HANCOCK AVE P O BOX 1908 ATHENS, GA 30601 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC | $39K | — | $39K | 5.00% |
| CHASTAIN AND ASSOCIATES3 | 272 W HANCOCK AVE P O BOX 1098 ATHENS, GA 30601 | HUMANA INSURANCE COMPANY | $7K | $1K | $8K | 11.43% |
| CHASTAIN AND ASSOCIATES3 Filed as: CHASTAIN AND ASSOCIATES INSUR AGY | P O BOX 6628 ATHENS, GA 30604 | GREATER GEORGIA LIFE INSURANCE COMPANY | $4K | — | $4K | 14.83% |
| CHASTAIN AND ASSOCIATES3 Filed as: CHASTAIN AND ASSOCIATES INSUR AGY | P O BOX 1908 ATHENS, GA 30603 | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC | $1K | — | $1K | — |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC | 107 | $789K |
| Dental | HUMANA INSURANCE COMPANY | 163 | $70K |
| Vision | HUMANA INSURANCE COMPANY | 163 | $70K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 163 | $70K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 163 | $29K |
| Other | HUMANA INSURANCE COMPANY | 163 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.