| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASCENSION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 JOHNS CREEK, GA 30022 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA | $199K | — | $199K | 1.96% |
| ASCENSION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 JOHNS CREEK, GA 30022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 2.54% |
| ASCENSION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 JOHNS CREEK, GA 30022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | — | $35K | 15.00% |
| ASCENSION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 JOHNS CREEK, GA 30022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.23% |
| ASCENSION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 JOHNS CREEK, GA 30022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.19% |
| ASCENSION INSURANCE INC3 | 5825 MEDLOCK BRIDGE ROAD SUITE 200 JOHNS CREEK, GA 30022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| ASCENSION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 JOHNS CREEK, GA 30022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $870 | — | $870 | 10.00% |
| ASCENSION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 JOHNS CREEK, GA 30022 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $640 | — | $640 | 10.00% |
| ASCENSION INSURANCE INC3 | 5825 MEDLOCK BRIDGE PARKWAY SUITE 200 JOHNS CREEK, GA 30022 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $12 | $12 | 6.78% |
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 | 1,153 | 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) | 1,153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA | 1,999 | $10.2M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA | 1,999 | $10.2M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA | 1,999 | $10.2M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,153 | $302K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,153 | $200K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,153 | $260K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,153 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,999 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.