| 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 | $97K | $6K | $103K | 9.80% |
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | BLUE CROSS BLUE SHIELD HEALTHCARE OF GA | $125K | $0 | $125K | 13.60% |
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | $3K | $34K | 12.67% |
| RESOURCE SEVEN4 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | LEGALSHIELD | $5K | — | $5K | 16.45% |
| ELIZABETH FINCHER4 | P.O. BOX 1382 ROSWELL, GA 30077 | LEGALSHIELD | $2K | — | $2K | 5.17% |
| RICAEDIA LLC4 Filed as: RICAEDIA | 116 VILLAGE BLVD SUITE 200 PRINCETON, NJ 08540 | LEGALSHIELD | $23 | — | $23 | 0.08% |
| ANTONIO RIDDLE4 | 929 N DRAKE AVE CHICAGO, IL 60651 | LEGALSHIELD | $22 | — | $22 | 0.08% |
| KCA MARKETING INC DBA LEGAL BENEFIT4 Filed as: KCA MARKETING INC | P.O. BOX 1833 SAINT CLOUD, MN 56302 | LEGALSHIELD | $13 | — | $13 | 0.04% |
| RESOURCE SEVEN3 | 240 E LANIER AVE FAYETTEVILLE, GA 30214 | AETNA LIFE INSURANCE CO. | $3K | $0 | $3K | 10.71% |
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | UNIVERSITY HEALTH ALLIANCE | $102 | — | $102 | 0.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BCBS HEALTHCARE PLAN OF GA EIN 58-1638390 NONE | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $471K |
| CORESOURCE INC EIN 35-1846036 NONE | Plan Administrator; Claims processing; Other services Service code 12 | — | $387K |
| ANTHEM EIN 95-4331852 NONE | Other services; Claims processing Service code 12 | — | $309K |
| BLUE CROSS BLUE SHIELD OF GA EIN 58-0469845 NONE | Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Float revenue Service code 12 | — | $193K |
| RESOURCE SEVEN EIN 27-3350028 NONE | Insurance agents and brokers; Consulting (general) Service code 16 | — | $113K |
| TELADOC EIN 04-3705970 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $37K |
| BASIC EIN 38-2883561 FSA ADMIN | Claims processing Service code 12 | — | $6K |
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 | 2,067 | 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) | 2,068 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5 | $43K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE OF GA | 1,387 | $1.1M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE OF GA | 1,387 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE OF GA | 1,045 | $1.2M |
| Short-term disability | BLUE CROSS BLUE SHIELD HEALTHCARE OF GA | 1,045 | $917K |
| Long-term disability | BLUE CROSS BLUE SHIELD HEALTHCARE OF GA | 1,045 | $917K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 2 | $16K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 2,234 | $662K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 520 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,234 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.