| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $412K | $135K | $547K | 7.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING. INC | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $93K | $93K | 1.88% |
| SEE ATTACHED3 Filed as: SEE EXHIBIT 1 ATTACHED | VARIOUS VARIOUS, GA 31804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $155K | — | $155K | 16.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HARTFORD LIFE AND ACCIDENT | $27K | $7K | $35K | 6.32% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM EIN 31-1440175 NONE | Claims processing Service code 12 | — | $3.4M |
| MDLIVE EIN 45-4937055 NONE | Other fees Service code 99 | — | $113K |
| EMPATHIA, INC. EIN 39-1567366 NONE | Claims processing Service code 12 | — | $83K |
| HUGHSTON HEALTH EIN 58-1155460 NONE | Other fees Service code 99 | — | $62K |
| CVS PHARMACY, INC. EIN 05-0340626 NONE | Claims processing Service code 12 | — | $60K |
| KOHLL'S PHARMACY & HOMECARE, INC. EIN 47-0532015 NONE | Other fees Service code 99 | — | $42K |
| ROBINSON, GRIMES & COMPANY, P.C. EIN 58-1374304 NONE | Accounting (including auditing) Service code 10 | — | $33K |
| COLUMBUS REGIONAL EIN 58-1685139 NONE | Other fees; Insurance services Service code 23 | — | $20K |
| PUBLICOM, INC. NONE | Other fees Service code 99 | P.O. BOX 4546 ROANOKE, VA 240150546 | $6K |
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 | 9,087 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 9,122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 7,335 | $4.9M |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 6,331 | $793K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 9,086 | $7.7M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 9,086 | $7.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 9,086 | $7.7M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 9,086 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,086 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.