| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA HEALTH AGENTS AGENCY3 | 3325 PADDOCKS PARKWAY SUITE 170 SUWANEE, GA 30024 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $52K | $0 | $52K | 3.34% |
| ELF VENTURES, LLC3 Filed as: ELF VENTURES LLC | 400 INTERSTATE N PKWY SE STE 300 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $22K | $0 | $22K | 1.42% |
| TERMINUS-ATLANTA INS AGENCY INC3 | 1635 MOUNT MCKINLEY DRIVE GRAYSON, GA 300172980 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.60% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE NORTH PKWY SE STE 300 ATLANTA, GA 303395000 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.90% |
| TERMINUS-ATLANTA INS AGENCY INC3 | 1635 MOUNT MCKINLEY DRIVE GRAYSON, GA 30017 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 3.75% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 US HWY 9 NORTH STE 200 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 2.03% |
| TERMINUS-ATLANTA INS AGENCY INC3 | 1635 MOUNT MCKINLEY DRIVE GRAYSON, GA 30017 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 6.80% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 US HWY 9 NORTH STE 200 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.89% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 321 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 516 | $174K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 516 | $174K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 516 | $174K |
| Short-term disability | STANDARD INSURANCE COMPANY | 139 | $73K |
| Long-term disability | STANDARD INSURANCE COMPANY | 140 | $52K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 516 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.