| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | GREATER GEORGIA LIFE INSURANCE COMPANY | $9K | $702 | $10K | 10.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SUITE 1950 ATLANTA, GA 30339 | GREATER GEORGIA LIFE INSURANCE COMPANY | -$2K | $0 | -$2K | -2.33% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | SIX CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | BLUE CROSS BLUE SHIELD OF GEORGIA | $9K | $2K | $11K | 11.85% |
| DARIN M REESER3 | — | COMBINED INSURANCE | $5K | $0 | $5K | 13.62% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | — | COMBINED INSURANCE | $4K | $0 | $4K | 11.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CARRIER | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Participant communication; Other services; Float revenue; Claims processing Service code 12 | — | $67K |
| FLEXCARE, LLC EIN 02-0715461 TELEMEDICINE | Claims processing Service code 12 | 3340 PEACHTREE ROAD NE SUITE 1525 ATLANTA, GA 30326 | $10K |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $371K |
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA | 145 | $92K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA | 145 | $92K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 191 | $95K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 191 | $95K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 191 | $95K |
| Other | COMBINED INSURANCE | 146 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.