| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTNER'S BENEFIT GROUP LLC3 Filed as: PARTNER BENEFIT GROUP LLC | 1476 CARPENTER ROAD TIFTON, GA 31793 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $21K | — | $21K | 5.05% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $555 | $6K | 19.54% |
| SPRINGBOARD BENEFITS3 | 75 5TH STREET NW, SUITE 2412 ATLANTA, GA 30308 | METROPOLITAN LIFE INSURANCE COMPANY | — | $989 | $989 | 3.03% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | GREATER GEORGIA LIFE INSURANCE COMPANY | $442 | $147 | $589 | 13.71% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $508 | $89 | $597 | 21.79% |
| SPRINGBOARD BENEFITS3 | 75 5TH STREET NW, SUITE 2412 ATLANTA, GA 30308 | METROPOLITAN LIFE INSURANCE COMPANY | $127 | $92 | $219 | 7.99% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $347 | $85 | $432 | 18.24% |
| SPRINGBOARD BENEFITS3 | 75 5TH STREET NW, SUITE 2412 ATLANTA, GA 30308 | METROPOLITAN LIFE INSURANCE COMPANY | $87 | $80 | $167 | 7.05% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $424 | $88 | $512 | 33.20% |
| SPRINGBOARD BENEFITS3 | 75 5TH STREET NW, SUITE 2412 ATLANTA, GA 30308 | METROPOLITAN LIFE INSURANCE COMPANY | $106 | $83 | $189 | 12.26% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 62 | $418K |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 62 | $417K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 69 | $6K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 175 | $45K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $33K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $33K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.