| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $45K | $3K | $48K | 9.81% |
| MULITPLE BENEFITS CORPORATION3 | 30 LUMPKIN ST SUITE D LAWRENCEVILLE, GA 30046 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $4K | — | $4K | 0.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $43K | $9K | $52K | 10.77% |
| MULTIPLE BENEFITS CORPORATION3 | 30 LUMPKIN ST SUITE D LAWRENCEVILLE, GA 30046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.07% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 SOUTH JEFFERSON ST ROANOKE, VA 24011 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 10.98% |
| MULTIPLE BENEFITS CORPORATION3 | 1185 MONTCLAIR WAY SNELLVILLE, GA 30078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.12% |
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 | 740 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 912 | $487K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 912 | $487K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 740 | $606K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 740 | $481K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 740 | $481K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 912 | — |
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.