| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $174K | $3K | $176K | 5.45% |
| CORNERSTONE FINANCIAL LLP3 Filed as: CORNERSTONE FINANCIAL GROUP, INC. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $0 | $16K | $16K | 0.50% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | GREATER GEORGIA LIFE INSURANCE COMPANY | $15K | $3K | $18K | 11.34% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 19.35% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 10.68% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 503 | $3.2M |
| Dental | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 503 | $3.2M |
| Vision | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 503 | $3.2M |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 367 | $156K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 367 | $156K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 367 | $156K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 503 | $3.2M |
| Other(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 367 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.