| 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. | $39K | $0 | $39K | 4.95% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC- BU | 2500 CUMBERLAND PKWY SE SUITE 400 ATLANTA, GA 30339 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $4K | $0 | $4K | 0.45% |
| RSC INSURANCE BROKERAGE INC3 | 1735 N BROWN ROAD SUITE 220 LAWRENCEVILLE, GA 30043 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 16.13% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC- BU | 2500 CUMBERLAND PKWY SE SUITE 400 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $466 | $0 | $466 | 1.75% |
| PEACHTREE PLANNING OF GEORGIA3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $198 | $0 | $198 | 0.75% |
| ASHFORD ADVISORS INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 0.03% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 91 | $785K |
| Dental(2 contracts, 2 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 139 | $812K |
| Vision(2 contracts, 2 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 139 | $812K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $27K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 139 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.