| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STATE BANK AND TRUST COMPANY3 Filed as: STATE BANK & TRUST COMPANY | 1900-B NORTHSIDE CROSSING MACON, GA 31210 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $46K | $2K | $48K | 2.58% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL INSURANCE INC | 1000 NORTHSIDE CROSSING MACON, GA 31210 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $38K | $2K | $40K | 2.18% |
| STATE BANK AND TRUST COMPANY3 Filed as: STATE BANK & TRUST CO | 1000 NORTHSIDE CROSSING MACON, GA 31210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $64K | $684 | $65K | 22.93% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 4.66% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL & INSURANCE INC | 1000 NORTHSIDE CROSSING MACON, GA 31210 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 2.78% |
| STATE BANK AND TRUST COMPANY3 Filed as: STATE BANK & TRUST COMPANY | 1900-B NORTHSIDE CROSSING MACON, GA 31210 | HUMANA INSURANCE COMPANY | $8K | $1K | $9K | 5.70% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL INSURANCE INC | 1000 NORTHSIDE CROSSING MACON, GA 31210 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 4.02% |
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 | 506 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 163 | $1.8M |
| Dental | HUMANA INSURANCE COMPANY | 311 | $163K |
| Vision | HUMANA INSURANCE COMPANY | 311 | $163K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 506 | $283K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 506 | $283K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 506 | $283K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 506 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.
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.