| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | HUMANA INSURANCE COMPANY | $106K | $28K | $134K | 12.28% |
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | BEAZLEY INSURANCE COMPANY, INC. | $38K | $0 | $38K | 15.00% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | BEAZLEY INSURANCE COMPANY, INC. | $13K | $0 | $13K | 5.00% |
| RESOURCE SEVEN3 | 500 LANIER AVE W FAYETTEVILLE, GA 30214 | ASSURITY LIFE INSURANCE COMPANY | $126K | $0 | $126K | 61.64% |
| STEPPING STONES UNLIMITED, INC.3 Filed as: STEPPING STONES UNLIMITED INC | — | ASSURITY LIFE INSURANCE COMPANY | $20K | $0 | $20K | 9.69% |
| RESOURCE SEVEN3 | 240 E LANIER AVE FAYETTEVILLE, GA 30214 | AETNA LIFE INSURANCE CO. | $4K | $0 | $4K | 10.00% |
| RESOURCE SEVEN4 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | LEGALSHIELD | $5K | $0 | $5K | 15.40% |
| ELIZABETH FINCHER4 | P.O. BOX 1382 ROSWELL, GA 30077 | LEGALSHIELD | $3K | $0 | $3K | 8.22% |
| ANTONIO RIDDLE4 | 929 N DRAKE AVE CHICAGO, IL 60651 | LEGALSHIELD | $54 | $0 | $54 | 0.17% |
| RICAEDIA LLC4 Filed as: RICAEDIA | 116 VILLAGE BLVD SUITE 200 PRINCETON, NJ 08540 | LEGALSHIELD | $51 | $0 | $51 | 0.16% |
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | UNIVERSITY HEALTH ALLIANCE | $102 | $0 | $102 | 0.62% |
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | BLUE CROSS BLUE SHIELD HEALTHCARE OF GA | $8K | $0 | $8K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE INC EIN 35-1846036 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $503K |
| BCBS HEALTHCARE PLAN OF GA EIN 58-1638390 NONE | Claims processing; Contract Administrator; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $101K |
| ANTHEM EIN 95-4331852 NONE | Claims processing; Other services Service code 12 | — | $90K |
| DELPHI OF FLORIDA EIN 01-0580124 NONE | Other services; Claims processing Service code 12 | — | $56K |
| PHCS EIN 13-3068979 NONE | Plan Administrator; Other services; Claims processing Service code 12 | — | $45K |
| TELADOC EIN 04-3705970 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | $32K |
| BASIC EIN 38-2883561 FSA ADMIN | Claims processing Service code 12 | — | $9K |
| HEALTHSMART PREFERRED EIN 06-1621470 NONE | Other services; Claims processing Service code 12 | — | $5K |
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 | 1,678 | 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) | 1,678 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BEAZLEY INSURANCE COMPANY, INC. | 464 | $309K |
| Dental(3 contracts, 3 carriers) | HUMANA INSURANCE COMPANY | 1,316 | $1.1M |
| Vision(4 contracts, 4 carriers) | HUMANA INSURANCE COMPANY | 1,316 | $1.1M |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 1 | $16K |
| Other(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 1,678 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,678 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.