| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBBIE L. SANDERS3 | 1229 AUGUSTA WEST PKWAY AUGUSTA, GA 30919 | BLUE CROSS/BLUE SHIELD OF GEORGIA | $9K | $9K | $19K | 0.27% |
| AHS & ASSOCIATES INC3 Filed as: AHS INSURANCE | 1229 AUGUSTA WEST PKWAY AUGUSTA, GA 30919 | BLUE CROSS/BLUE SHIELD OF GEORGIA | $3K | $3K | $6K | 0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SOUTHERN BENEFIT ADMINISTRATORS, IN EIN 62-1116095 NONE | Consulting (general); Plan Administrator Service code 14 | P. O. BOX 1449 GOODLETTSVILLE, TN 37070 | $131K |
| PARKER, HUDSON, RAINER & DOBBS EIN 58-1423485 NONE | Legal Service code 29 | 285 PEACHTREE CENTER AVE NE ATLANTA, GA 30303 | $41K |
| DENNIS G. JENKINS, CPA,LLC EIN 20-5886120 NONE | Accounting (including auditing) Service code 10 | 1690 STONE VILLAGE LN, STE 501 KENNESAW, GA 30152 | $11K |
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 | 730 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS/BLUE SHIELD OF GEORGIA | 730 | $6.8M |
| Dental | BLUE CROSS/BLUE SHIELD OF GEORGIA | 730 | $6.8M |
| Vision | BLUE CROSS/BLUE SHIELD OF GEORGIA | 730 | $6.8M |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 730 | $111K |
| Prescription drug | BLUE CROSS/BLUE SHIELD OF GEORGIA | 730 | $6.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.