| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN | 300 W 10TH STREET WEST POINT, GA 31833 | BLUE CROSS BLUE SHIELD OF GEORGIA INC- VISION | $34K | $212 | $34K | 119.24% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN | 300 W 10TH STREET WEST POINT, GA 31833 | BLUE CROSS BLUE SHIELD OF GEORGIA INC- VISION | $14K | — | $14K | 49.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS HEALTHCARE - ADMIN FEE EIN 58-1638390 | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Contract Administrator Service code 12 | 1351 WM HOWARD TAFT CINCINNATI, OH 452061721 | $211K |
| BCBS HEALTHCARE - PRESCRIPTIONS EIN 58-1638390 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing Service code 12 | 1351 WM HOWARD TAFT CINCINNATI, OH 452061721 | $81K |
| BCBS HEALTHCARE - PHARMACY MARGIN | Other fees Service code 99 | — | $27K |
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 | 382 | 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) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA INC-DENTAL | 701 | $218K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA INC- VISION | 616 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 701 | — |
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.