| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POINTENORTH INSURANCE GROUP3 Filed as: POINTENORTH INSURANCE GROUP, LLC | PO BOX 724728 ATLANTA, GA 31139 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $85K | $1K | $86K | 4.05% |
| POINTENORTH INSURANCE GROUP3 Filed as: POINTENORTH INSURANCE GROUP, LLC | PO BOX 724728 ATLANTA, GA 31139 | GREATER GEORGIA LIFE INSURANCE COMPANY | $2K | $209 | $2K | 11.45% |
| VARIOUS - SEE ATTACHED3 Filed as: MULTIPLE AGENTS SEE ATTACHED | MULTIPLE AGENTS SEE ATTACHED MULTIPLE AGENTS, GA 31999 | AFLAC | $703 | $22 | $725 | 9.79% |
| MCNEAL AGENCY, INC.3 | 1717 RUSSEL PKWY PO BOX 6009 WARNER ROBINS, GA 31095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | — | $61 | 1.32% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA WORKSITE SERVICE | 22 INVERNESS CENTER PKWY STE 100 BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 1.21% |
| COLEMAN AND COMPANY BENEFITS INC3 Filed as: COLEMAN & COMPANY BENEFITS, INC. | PO BOX 157 EASTMAN, GA 31023 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.74% |
| HERRING, RICHARD, FULLER3 Filed as: HERRING, RICHARD FULLER | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.50% |
| VARIOUS - SEE ATTACHED3 Filed as: MULTIPLE AGENTS SEE ATTACHED | MULTIPLE AGENTS SEE ATTACHED MULTIPLE AGENTS, GA 31093 | AFLAC | $537 | — | $537 | 15.64% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 158 | $2.1M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 158 | $2.1M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 158 | $2.1M |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 221 | $19K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 22 | $5K |
| Other(4 contracts, 3 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 221 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.