| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEBEILS AND WILLIAMS OF GA | 5605 GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30342 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $3K | — | $3K | 0.91% |
| PIEDMONT BENEFITS GROUP, INC.3 Filed as: PIEDMONT BENEFITS GROUP LLC | 1040 CROWN POINTE PARKWAY SUITE 545 ATLANTA, GA 30338 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $471 | — | $471 | 0.16% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS AND WILLIAMS | 5605 GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30342 | AMERICAN UNITED LIFE INSURANCE COMPANY | $20K | — | $20K | 9.20% |
| PIEDMONT BENEFITS GROUP, INC.3 Filed as: PIEDMONT BENEFITS GROUP LLC | 1040 CROWN POINTE PKWY SUITE 545 ATLANTA, GA 30338 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 0.80% |
| PIEDMONT BENEFITS GROUP, INC.3 Filed as: PIEDMONT BENEFITS GROUP LLC | 1040 CROWN POINTE PARKWAY SUITE 545 ATLANTA, GA 30338 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 4.12% |
| PIEDMONT BENEFITS GROUP, INC.3 Filed as: PIEDMONT BENEFITS GROUP LLC | 1040 CROWN POINTE PARKWAY SUITE 545 ATLANTA, GA 30338 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 2.24% |
| MARY THERESA FISHER4 | 29C OWNES LANDING COURT PERRYVILLE, MD 21903 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 16.26% |
| PATRICIA A HUNT4 | 528 LONGHORN CRES ROCKVILLE, MD 20850 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $806 | — | $806 | 10.06% |
| INSURATY INC4 | 4201 NORTHVIEW DRIVE ONE TOWERCENTER BOWIE, MD 20716 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $77 | — | $77 | 0.96% |
| CORY WALKER4 | 4606 N LOCUST ST NORTH LITTLE ROCK, AR 72116 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $28 | — | $28 | 0.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTH PL GA EIN 58-1638390 ADMIN SERVICES | Other fees; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Claims processing Service code 12 | — | $160K |
| MCGRIFF SEIBELS AND WILLIAMS OF GA | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $47K |
| PIEDMONT BENEFITS GROUP LLC | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $4K |
| MCGRIFF SEIBELS AND WILLIAMS INC | Insurance services; Insurance agents and brokers Service code 22 | — | $125 |
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 | 324 | 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) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 661 | $213K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | 510 | $303K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 298 | $214K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 298 | $214K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 298 | $214K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | 510 | $303K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 298 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 661 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.