| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $45K | $0 | $45K | 2.70% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $29K | $1K | $30K | 1.80% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA, 35TH FLOOR LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | $22K | $0 | $22K | 6.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $8K | $8K | 2.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE, SUITE 100 JOHNS CREEK, GA 30097 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 2.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 744831 ATLANTA, GA 30374 | AFLAC | $864 | $0 | $864 | 3.84% |
| FRANK R GRIFFIN JR3 Filed as: FRANK R. GRIFFIN JR. (CHIP) | 8601 GARRETT ROAD MIDLAND, GA 31820 | AFLAC | $687 | $161 | $848 | 3.77% |
| MJ INSURANCE3 Filed as: MELISSA RHODES AND VARIOUS AGENTS | 306 ROLLINGWOOD DRIVE NEWPORT, NC 28570 | AFLAC | $512 | $105 | $617 | 2.74% |
| SUSAN A SITZ3 Filed as: SUSAN A. SITZ | 50 AVIATOR PLAZA, SUITE 105C SAINT SIMONS ISLAND, GA 31522 | AFLAC | $450 | $137 | $587 | 2.61% |
| AMY GREEN3 Filed as: AMY F. GREEN | 606 EAST 45TH STREET SAVANNAH, GA 31405 | AFLAC | $274 | $201 | $475 | 2.11% |
| JOHN E CARTER III3 Filed as: JOHN E. CARTER III | PO BOX 39 FORTSON, GA 31808 | AFLAC | $192 | $38 | $230 | 1.02% |
| LOU ANN WARD3 | 109 VILLA ROAD BRUNSWICK, GA 31525 | AFLAC | $136 | $92 | $228 | 1.01% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 191 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 191 | $1.7M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 191 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 125 | $339K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 125 | $316K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 125 | $316K |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 191 | $1.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 125 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.