| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOE COSTA ASSOCIATES INC3 | 180 OAKBEND COURT ATHENS, GA 30606 | AETNA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 1.04% |
| JOE COSTA ASSOCIATES INC3 Filed as: JOE COSTA & ASSOCIATES INC | 180 OAKBEND COURT ATHENS, GA 30606 | AETNA LIFE INSURANCE COMPANY | $290 | $0 | $290 | 0.76% |
| JOE COSTA ASSOCIATES INC3 | 180 OAKBEND COURT ATHENS, GA 30606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $191 | $3K | 10.69% |
| JOE COSTA ASSOCIATES INC3 | 180 OAKBEND COURT ATHENS, GA 30606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $62 | $1K | 15.70% |
| JOE COSTA ASSOCIATES INC3 | 180 OAKBEND COURT ATHENS, GA 30606 | UNUM INSURANCE COMPANY | $698 | $51 | $749 | 16.10% |
| JOE COSTA ASSOCIATES INC3 | 180 OAKBEND COURT ATHENS, GA 30606 | UNUM INSURANCE COMPANY | $635 | $50 | $685 | 16.16% |
| JOE COSTA ASSOCIATES INC3 | 180 OAKBEND COURT ATHENS, GA 30606 | UNUM INSURANCE COMPANY | $605 | $48 | $653 | 16.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JOE COSTA & ASSOCIATES INC BROKER | Insurance agents and brokers Service code 22 | 180 OAKBEND COURT ATHENS, GA 30606 | $33K |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 103 | $573K |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 103 | $573K |
| Vision(2 contracts) | AETNA LIFE INSURANCE COMPANY | 103 | $573K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $28K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $28K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.