| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | P O BOX 724137 ATLANTA, GA 31139 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $222K | — | $222K | 3.92% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | P O BOX 724137 ATLANTA, GA 31139 | BLUE CROSS AND BLUE SHIELD OF GEORGIA | $76K | $13K | $89K | 19.60% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | P O BOX 724137 ATLANTA, GA 31139 | GREATER GEORGIA LIFE INSURANCE COMPANY | $9K | — | $9K | 12.79% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 2500 CUMBERLAND PKWY SUITE 400 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $874 | — | $874 | 19.99% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | P O BOX 161690 AUSTIN, TX 78716 | HUMANA INSURANCE COMPANY | $262 | — | $262 | 5.99% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $825 | — | $825 | 19.99% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | P O BOX 161690 AUSTIN, TX 78716 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $247 | — | $247 | 5.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STERLING SEACREST PARTNERS INC BROKER | Insurance services; Insurance agents and brokers Service code 22 | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | $7K |
| BAY BRIDGE ADMINISTRATORS LLC CLAIMS ADMIN | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 12 | P O BOX 161690 AUSTIN, TX 78716 | $4K |
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 | 983 | 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) | 983 | 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 | 1,398 | $6.1M |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA | 1,398 | $456K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA | 1,398 | $456K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,751 | $68K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 42 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,751 | — |
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.
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.