| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS, INC. | 2500 CUMBERLAND PKWY, STE 400 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC. | $35K | — | $35K | 5.20% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC. | 2500 CUMBERLAND PARKWAY, SUITE 400 ATLANTA, GA 30339 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $6K | — | $6K | 7.07% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS, INC. | 2500 CUMBERLAND PKWY, STE 400 ATLANTA, GA 30339 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $4K | — | $4K | 5.20% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC. | PO BOX 724137 ATLANTA, GA 31139 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $528 | $5K | 6.94% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | P.O. BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $278 | $489 | $767 | 5.60% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS, INC. | 2500 CUMBERLAND PKWY, STE 400 ATLANTA, GA 30339 | GREATER GEORGIA LIFE INSURANCE COMPANY | $256 | — | $256 | 5.20% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC. | P.O. BOX 724137 ATLANTA, GA 311391137 | METROPOLITAN LIFE INSURANCE COMPANY | $539 | $95 | $634 | 17.50% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS, INC. | 2500 CUMBERLAND PARKWAY, SUITE 400 ATLANTA, GA 30339 | HUMANA INSURANCE COMPANY | $200 | $59 | $259 | 15.11% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 284 | $94K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 203 | $82K |
| Life insurance(2 contracts, 2 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 147 | $7K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 37 | $4K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $79K |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC. | 176 | $766K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.