| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 887 W MARIETTA STREET STE N-108 ATLANTA, GA 30318 | SUN LIFE ASSURANCE COMPANY OF CANADA | $503 | — | $503 | 0.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | SUN LIFE ASSURANCE COMPANY OF CANADA | $494 | — | $494 | 0.28% |
| ARGUS BENEFITS3 Filed as: ARGUS HLDGS INC DBA ARGUS BFT OF JA | 887 W MARIETTA ST NW STE N108 ATLANTA, GA 30318 | SUN LIFE ASSURANCE COMPANY OF CANADA | $67 | — | $67 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 887 W MARIETTA STREET 14TH FL STUDIO N - 108 ATLANTA, GA 30318 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | — | $47 | $47 | 2.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 101 LARKSPUR LANDING CIR STE 120 LARKSPUR, CA 949391749 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | — |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PLACE, FL 14 ITASCA, IL 601431203 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE CO. OF CANADA EIN 38-1082080 NONE | Claims processing Service code 12 | — | $23K |
| CERIDIAN CORPORATION EIN 41-1981625 NONE | Claims processing Service code 12 | CERIDIAN LIFEWORKS SERVICES 3311 E. OLD SHAKOPEE ROAD MINNEAPOLIS, MN 55425 | $19K |
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 | 517 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 457 | $4.6M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 444 | $367K |
| Vision | EYEMED VISION CARE | 685 | $41K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 527 | $180K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 527 | $180K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 527 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 685 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.