| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SVCS USA INC. | 6100 FAIRVIEW ROAD SUITE 1400 CHARLOTTE, NC 28210 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $22K | — | $22K | 2.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 W. GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $11K | — | $11K | 1.17% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $3K | — | $3K | 0.27% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 999 3RD AVENUE SUITE 4100 SEATTLE, WA 981044084 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $27 | $4K | 9.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PLACE FLOOR 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $243 | $2K | 5.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $417 | $417 | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 601433414 | UNION SECURITY DENTALCARE OF GEORGIA, INC. | $244 | — | $244 | 3.12% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | UNION SECURITY DENTALCARE OF GEORGIA, INC. | $79 | — | $79 | 1.01% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | UNION SECURITY DENTALCARE OF GEORGIA, INC. | $44 | — | $44 | 0.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 600 HIGHWAY 169 SOUTH, SUITE 1200 SAINT LOUIS, MN 55426 | EYEMED VISION CARE | $329 | — | $329 | 5.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARGUS BENEFITS DIV OF GALLAGHER BEN | 887 MARIETTA STREET NW #N-108 ATLANTA, GA 30318 | EYEMED VISION CARE | $166 | — | $166 | 2.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 201503 DALLAS, TX 753201503 | EYEMED VISION CARE | $116 | — | $116 | 1.91% |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 217 | $931K |
| Dental | UNION SECURITY DENTALCARE OF GEORGIA, INC. | 45 | $8K |
| Vision | EYEMED VISION CARE | 119 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 191 | $43K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 191 | $43K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 191 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.