| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCK BOX #28852 NEW YORK, NY 100878852 | BLUE CROSS OF CALIFORNIA | $33K | $0 | $33K | 1.98% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 LOCK BOX 28852 NEW YORK, NY 100878852 | UNITED HEALTHCARE INSURANCE COMPANY | $81K | $0 | $81K | 9.60% |
| WILLIS TOWERS WATSON US LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $120K | — | $120K | 30.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS HEALTHCARE PLAN OF GEORGIA, IN EIN 58-1638390 SERVICE PROVIDER | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $6.2M |
| ELIXIR RX EIN 90-1011712 SERVICE PROVIDER | Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $4.4M |
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 | 6,249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 95 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 146 | $1.7M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 15,363 | $396K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 5,643 | $841K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 146 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,363 | — |
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.