| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 3500 N CAUSEWAY BLVD METAIRIE, LA 70002 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $29K | $561 | $29K | 4.25% |
| RSC INSURANCE BROKERAGE INC3 | 1745 NORTH BROWN RD SUITE 250 LAWRENCEVILLE, GA 30043 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $6K | $527 | $6K | 0.91% |
| RSC INSURANCE BROKERAGE INC3 | 1735 N BROWN ROAD SUITE 220 LAWRENCEVILLE, GA 30043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.25% |
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.29% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | ONE AMERICA | $7K | $0 | $7K | 13.71% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 76 | $688K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $68K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $68K |
| Life insurance | ONE AMERICA | 132 | $53K |
| Short-term disability | ONE AMERICA | 132 | $53K |
| Long-term disability | ONE AMERICA | 132 | $53K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.