| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SVCS OF GEORGIA | 1349 OLD 41 HWY, STE 125 MARIETTA, GA 30060 | BLUE CROSS BLUE SHIELD OF GEORGIA - DECARE | $23K | — | $23K | 6.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | 200 LIBERTY ST 6TH FLOOR NEW YORK, NY 10281 | GREATER GEORGIA LIFE INSURANCE COMPANY | $15K | — | $15K | 7.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF CA | 4250 EXECUTIVE SQUARE SUITE 250 LA JOLLA, CA 92037 | GREATER GEORGIA LIFE INSURANCE COMPANY | — | $8K | $8K | 4.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS | 1 GLENLAKE PKWY, 11TH FLOOR ATLANTA, GA 30328 | EYEMED VISION CARE | $5K | — | $5K | 7.94% |
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 |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA - DECARE | 692 | $385K |
| Vision | EYEMED VISION CARE | 0 | $59K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 137 | $193K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 137 | $193K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 137 | $193K |
| Other | GREATER GEORGIA LIFE INSURANCE COMPANY | 137 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.