| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MULTIPLE BENEFITS CORPORATION3 | 30 LUMPKIN STREET SUITE D LAWRENCEVILLE, GA 30045 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 2.42% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 2.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 3625 N ELM STREET 200 GREENSBORO, NC 27455 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC | $17K | $2K | $18K | 6.00% |
| MULTIPLE BENEFITS CORPORATION3 | 30 LUMPKIN STREET SUITE D LAWRENCEVILLE, GA 30046 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC | $15K | $0 | $15K | 4.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF GA EIN 58-1638390 CLAIMS ADMIN | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Other services; Contract Administrator Service code 12 | — | $508K |
| ADMIN AMERICA, INC. FSA ADMIN | Claims processing Service code 12 | 1720 WINDWARD CONCOURSE SUITE 290 ALPHARETTA, GA 30005 | $7K |
| MARSH & MCLENNAN AGENCY LLC AGENT | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | $0 |
| MULTIPLE BENEFITS CORPORATION AGENT | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 30 LUMPKIN STREET LAWRENCEVILLE, GA 30045 | $0 |
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 | 502 | 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) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA, INC | 352 | $307K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA, INC | 352 | $307K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $422K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $422K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $422K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.