| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USBC LLC3 | 3050 ROYAL BLVD S SUITE 185 ALPHARETTA, GA 30022 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $34K | $0 | $34K | 3.10% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $25K | $0 | $25K | 2.24% |
| USBC LLC3 | 3050 ROYAL BLVD S STE 185 ATLANTA, GA 30338 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.40% |
| JOHN M REED3 | 1864 INDEPENDENCE SQ BLDG D ATLANTA, GA 30338 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.05% |
| JOHN M REED3 | 1864 INDEPENDENCE SQ BLDG D ATLANTA, GA 30338 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.09% |
| USBC LLC3 | 3050 ROYAL BLVD S SUITE 185 ALPHARETTA, GA 30022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.91% |
| JOHN M REED3 | 1864 INDEPENDENCE SQ BLDG D ATLANTA, GA 30338 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.38% |
| USBC LLC3 | 3050 ROYAL BLVD S SUITE 185 ALPHARETTA, GA 30022 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $390 | $0 | $390 | 2.63% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ADMIN AMERICA EIN 20-3581707 TPA | Consulting (general); Claims processing; Plan Administrator; Contract Administrator Service code 12 | 11800 AMBERPARK DRIVE SUITE 230 ALPHARETTA, GA 30009 | $4K |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | 97 | $1.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 196 | $144K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $15K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 191 | $55K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.