| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | BLUE CROSS BLUE SHIELD HEALTHCARE OF GA | $90K | $29K | $119K | 13.22% |
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | BLUE CROSS BLUE SHIELD HEALTHCARE OF GA | $90K | $29K | $119K | 19.25% |
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | TRANSAMERICA LIFE INSURANCE COMPANY | $44K | $0 | $44K | 15.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 1200 EAST TAFT STREET WILLIS TOWERS FLOORS 18-20 CHICAGO, IL 60606 | TRANSAMERICA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 10.63% |
| RESOURCE SEVEN4 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | LEGALSHIELD | $5K | — | $5K | 21.15% |
| ELIZABETH FINCHER4 | P.O. BOX 1382 ROSWELL, GA 30077 | LEGALSHIELD | $2K | — | $2K | 9.59% |
| ALLIANT INSURANCE SERVICES, INC.4 Filed as: ALLIANT INSURANCE SERVICES | 1420 5TH AVE 15TH FLOOR SEATTLE, WA 98101 | LEGALSHIELD | $30 | — | $30 | 0.13% |
| CLAYTON BIEWER4 | 5821 90TH STREET LUBBOCK, TX 79424 | LEGALSHIELD | $24 | — | $24 | 0.10% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 Filed as: KCA MARKETING INC | P.O. BOX 1833 SAINT CLOUD, MN 56302 | LEGALSHIELD | $21 | — | $21 | 0.09% |
| RICAEDIA LLC4 Filed as: RICAEDIA | 116 VILLAGE BLVD SUITE 200 PRINCETON, NJ 08540 | LEGALSHIELD | $17 | — | $17 | 0.07% |
| ROB VEST4 | 139 DUTCHMANS POINT RD PORT HAYWOOD, VA 23138 | LEGALSHIELD | $6 | — | $6 | 0.03% |
| TIFFANY DODSON4 | 12909 BRUNSWICK LANE BOWIE, MD 20715 | LEGALSHIELD | $3 | — | $3 | 0.01% |
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE INC EIN 35-1846036 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $477K |
| BLUE CROSS BLUE SHIELD OF GA EIN 58-0469845 NONE | Claims processing; Other services Service code 12 | — | $453K |
| RESOURCE SEVEN EIN 27-3350028 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $119K |
| TELADOC EIN 04-3705970 NONE | Plan Administrator; Other services; Claims processing Service code 12 | — | $32K |
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 | 2,116 | 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) | 2,117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2 | $15K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE OF GA | 1,209 | $916K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE OF GA | 1,209 | $916K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE OF GA | 956 | $906K |
| Short-term disability | BLUE CROSS BLUE SHIELD HEALTHCARE OF GA | 956 | $618K |
| Long-term disability | BLUE CROSS BLUE SHIELD HEALTHCARE OF GA | 956 | $618K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 951 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,209 | — |
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.
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.