| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PJ SKELTON LLC Filed as: SKELTON-MORRIS ASSOCIATES | PO BOX 130 HARTWELL, GA 30643 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $221K | $0 | $221K | 2.29% |
| MARSH & MCLENNAN AGENCY LLC Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD., SUITE 1100 ATLANTA, GA 30326 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $69K | $0 | $69K | 0.72% |
| PJ SKELTON LLC3 Filed as: SKELTON-MORRIS ASSOCIATES | 26 CHANDLER CTR HARTWELL, GA 30643 | UNION SECURITY INSURANCE COMPANY | $73K | $932 | $74K | 12.01% |
| PJ SKELTON LLC Filed as: SKELTON-MORRIS ASSOCIATES | PO BOX 130 HARTWELL, GA 30643 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $8K | $0 | $8K | 2.29% |
| MARSH & MCLENNAN AGENCY LLC Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD., SUITE 1100 ATLANTA, GA 30326 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $3K | $0 | $3K | 0.72% |
| PJ SKELTON LLC Filed as: SKELTON-MORRIS ASSOCIATES | PO BOX 130 HARTWELL, GA 30643 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $12K | $0 | $12K | 8.61% |
| MARSH & MCLENNAN AGENCY LLC Filed as: NORTHWESTERN BENEFIT CORP OF GA | 3438 PEACHTREE RD., SUITE 1100 ATLANTA, GA 30326 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $8K | $0 | $8K | 5.69% |
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 | 1,026 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,061 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 1,580 | $10.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 1,580 | $9.7M |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 1,983 | $137K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 2,063 | $619K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 2,063 | $619K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 2,063 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,063 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.