| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GENESYS ENTERPRISES LLC3 | 900 CIRCLE 75 PARKWAY STE 1695 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $20K | — | $20K | 4.08% |
| GENESYS ENTERPRISES LLC3 | 900 CIRCLE 75 PARKWAY STE 1695 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21K | $21K | 7.32% |
| GENESYS ENTERPRISES LLC3 | 900 CIRCLE 75 PARKWAY STE 1695 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.53% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $79 | $79 | 0.49% |
| GENESYS ENTERPRISES LLC3 | 900 CIRCLE 75 PARKWAY STE 1695 ATLANTA, GA 30339 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| NATIONAL BENEFIT CENTER | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $82 | $82 | 0.62% |
| GENESYS ENTERPRISES LLC3 | 900 CIRCLE 75 PARKWAY SE STE 1695 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $820 | — | $820 | 9.96% |
| GROUP RISK SPECIALISTS INC3 Filed as: GROUP RISK SPECIALISTS INC. | 3340 PEACHTREE ROAD NE STE 1525 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $410 | — | $410 | 4.98% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $282K |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 126 | $484K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 126 | $484K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $8K |
| Long-term disability(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31 | $29K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.