| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING. INC | 29840 NETWORK PL CHICAGO, IL 60673 | METROPOLITAN LIFE INSURANCE COMPANY | — | $66K | $66K | 1.30% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $148K | $42K | $190K | 6.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $107K | $54K | $160K | 6.76% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $127K | $46K | $173K | 8.38% |
| SEE ATTACHED3 Filed as: SEE EXHIBIT 1 ATTACHED | VARIOUS VARIOUS, GA 31804 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147K | — | $147K | 14.74% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $17K | $9K | $26K | 6.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 CONSULTING PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $13K | $6K | $19K | 7.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $8K | $4K | $11K | 7.25% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | SECURIAN LIFE INSURANCE COMPANY | $7K | $3K | $11K | 7.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM EIN 31-1440175 NONE | Claims processing Service code 12 | — | $3.5M |
| EMPATHIA, INC. EIN 39-1567366 NONE | Claims processing Service code 12 | — | $136K |
| MDLIVE EIN 45-4937055 NONE | Other fees Service code 99 | — | $117K |
| CVS PHARMACY, INC. EIN 05-0340626 NONE | Claims processing Service code 12 | — | $63K |
| HUGHSTON HEALTH EIN 58-1155460 NONE | Other fees Service code 99 | — | $62K |
| ROBINSON, GRIMES & COMPANY, P.C. EIN 58-1374304 NONE | Accounting (including auditing) Service code 10 | — | $25K |
| COLUMBUS REGIONAL EIN 58-1685139 NONE | Other fees; Insurance services Service code 23 | — | $24K |
| ALSTON & BIRD EIN 47-0532015 NONE | Legal Service code 29 | — | $12K |
| 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 | 7,485 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 7,541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 8,771 | $5.1M |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 7,561 | $836K |
| Life insurance(6 contracts) | SECURIAN LIFE INSURANCE COMPANY | 11,145 | $5.4M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 11,145 | $3.1M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 11,145 | $3.1M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,179 | $995K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,145 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.