| 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 | $345K | — | $345K | 5.31% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | P O BOX 724137 ATLANTA, GA 31139 | BLUE CROSS AND BLUE SHIELD OF GEORGIA | — | $20K | $20K | 3.93% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | P O BOX 724137 ATLANTA, GA 31139 | GREATER GEORGIA LIFE INSURANCE COMPANY | $41K | $11K | $51K | 19.24% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $3K | — | $3K | 113.91% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP | P O BOX 161690 AUSTIN, TX 78716 | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | $2K | — | $2K | 60.76% |
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 | 1,171 | 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) | 1,171 | 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 | 1,626 | $7.0M |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA | 1,626 | $497K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA | 1,626 | $497K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 0 | $268K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 0 | $268K |
| Other | MANHATTAN LIFE ASSURANCE COMPANY OF AMERICA | 32 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,626 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.