| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 1735 N BROWN ROAD SUITE 220 LAWRENCEVILLE, GA 30043 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $29K | $3K | $32K | 3.67% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 2ND FL BOSTON, MA 02110 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $786 | $6K | 12.34% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES | 1800 PEACHTREE STREET NW ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $856 | $3K | 5.61% |
| B V STONE INC3 | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $199 | $2K | 3.76% |
| SANTE CONCEPTS INC3 | 94 BARTLETT WAY DALLAS, GA 30157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $640 | $0 | $640 | 1.23% |
| TARA MADDOX3 | 1800 PEACHTREE STREET SW ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $436 | $0 | $436 | 0.84% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $52 | $193 | 0.37% |
| CHARLES AUGUSTUS RAY3 | 12010 BROOKFIELD CLUB ROAD ROSWELL, GA 30075 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $6 | $40 | 0.08% |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.03% |
| RJK & ASSOCIATES INC3 Filed as: RJK AND ASSOCIATES INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $262 | $0 | $262 | 7.49% |
| RSC INSURANCE BROKERAGE INC3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $262 | $0 | $262 | 7.49% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 137 | $869K |
| Dental | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 137 | $869K |
| Vision | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 137 | $869K |
| Life insurance | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 137 | $869K |
| Other(3 contracts, 3 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 137 | $925K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
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.