| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENESYS ENTERPRISES LLC3 | 900 CIRCLE 75 PARKWAY SUITE 1695 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $16K | $2K | $17K | 3.93% |
| GENESYS ENTERPRISES LLC3 | 2451 CUMBERLAND PKWY SE ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 12.96% |
| GENESYS ENTERPRISES LLC3 | 900 CIRCLE 75 PARKWAY SE SUITE 1695 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 11.09% |
| GROUP RISK SPECIALISTS INC3 Filed as: GROUP RISK SPECIALISTS INC. | 3340 PEACHTREE RD. NE STE 1525 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.54% |
| GENESYS ENTERPRISES LLC3 | 2451 CUMBERLAND PKWY SE ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $167 | $167 | 1.08% |
| GENESYS ENTERPRISES LLC3 | 2451 CUMBERLAND PKWY SE ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $362 | — | $362 | 10.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 SERVICE PROVIDER | Participant communication; Float revenue; Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $32K |
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 | 324 | 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) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $192K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 324 | $465K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 155 | $442K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $26K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $15K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.