| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $63K | $0 | $63K | 5.01% |
| PEARLEAN WASHINGTON3 | 1755 NORTH BROWN ROAD, SUITE 262 LAWRENCEVILLE, GA 30043 | AFLAC | $6K | $222 | $6K | 7.06% |
| GEORGE LEE WASHINGTON3 | 1755 NORTH BROWN ROAD, SUITE 262 LAWRENCEVILLE, GA 30043 | AFLAC | $4K | $88 | $4K | 4.30% |
| MRS JACKSON C. BOYUM AND AGENTS3 | 2040 SKYLAR LEIGH DRIVE BUFORD, GA 30518 | AFLAC | $785 | $0 | $785 | 0.93% |
| JAMES DAVIS3 Filed as: JAMES E. DAVIS | 2850 TOWNSIDE LAKE COURT BISHOP, GA 30621 | AFLAC | $768 | $0 | $768 | 0.91% |
| TONYA V. MEYER3 | 4705 GUILFORD FOREST DRIVE SW ATLANTA, GA 30331 | AFLAC | $329 | $402 | $731 | 0.86% |
| COREY BORDERS3 | 1877 DAYRON TRCE MARIETTA, GA 30062 | AFLAC | $606 | $18 | $624 | 0.74% |
| MAGWOOD WARE & ASSOCIATES3 Filed as: MAGWOOD WARE AND ASSOCIATES | 7864 NESTOR CREEK LANE NORTH LAS VEGAS, NV 89084 | AFLAC | $462 | $52 | $514 | 0.61% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE, SUITE 700 ATLANTA, GA 30328 | HARTFORD LIFE AND ACCIDENT | $8K | $1K | $9K | 17.49% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 148 | $1.3M |
| Vision | AFLAC | 53 | $85K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 171 | $135K |
| Short-term disability | AFLAC | 53 | $85K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 171 | $50K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 148 | $1.3M |
| Other(2 contracts, 2 carriers) | AFLAC | 171 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.