| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP | P.O. BOX 7770 TIFTON, GA 31793 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 10.46% |
| PARTNERS BENEFIT GROUP LLC3 | P.O. BOX 7770 TIFTON, GA 31793 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 17.67% |
| PARTNERS BENEFIT GROUP LLC3 | P.O. BOX 7770 TIFTON, GA 31793 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 17.36% |
| PARTNERS BENEFIT GROUP LLC3 | P.O. BOX 7770 TIFTON, GA 31793 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 12.95% |
| PARTNERS BENEFIT GROUP LLC3 | P.O. BOX 7770 TIFTON, GA 31793 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 17.34% |
| PARTNERS BENEFIT GROUP LLC3 | P.O. BOX 925 NASHVILLE, GA 31636 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | — | $259 | $259 | 0.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS HEALTHCARE PLAN OF GEORGIA EIN 58-1638390 CONTRACTUAL | Claims processing; Contract Administrator; Float revenue; Other services; Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $234K |
| PARTNERS BENEFIT GROUP LLC CONTRACTUAL | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | P.O. BOX 7770 TIFTON, GA 31794 | $55K |
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 | 292 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 169 | $184K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 447 | $26K |
| Life insurance | STANDARD INSURANCE COMPANY | 291 | $99K |
| Short-term disability | STANDARD INSURANCE COMPANY | 171 | $63K |
| Long-term disability | STANDARD INSURANCE COMPANY | 292 | $74K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 382 | $559K |
| Other | STANDARD INSURANCE COMPANY | 291 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.