| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | HUMANA INSURANCE COMPANY | $140K | $0 | $140K | 9.62% |
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | AMERICAN UNITED LIFE INSURANCE COMPANY | $182K | $65K | $247K | 17.78% |
| RESOURCE SEVEN3 | 500 LANIER AVE W FAYETTEVILLE, GA 30214 | ASSURITY LIFE INSURANCE COMPANY | $150K | $0 | $150K | 41.39% |
| STEPPING STONES UNLIMITED, INC.3 Filed as: STEPPING STONES UNLIMITED INC | — | ASSURITY LIFE INSURANCE COMPANY | $22K | $0 | $22K | 6.07% |
| RESOURCE SEVEN3 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | BEAZLEY INSURANCE COMPANY, INC. | $27K | $0 | $27K | 15.00% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTOWN SQUARE, PA 19073 | BEAZLEY INSURANCE COMPANY, INC. | $9K | $0 | $9K | 5.00% |
| RESOURCE SEVEN4 | 500 LANIER AVE WEST #203 FAYETTEVILLE, GA 30214 | LEGALSHIELD | $7K | $0 | $7K | 14.73% |
| ELIZABETH FINCHER4 | P.O. BOX 1382 ROSWELL, GA 30077 | LEGALSHIELD | $5K | $0 | $5K | 11.68% |
| TEXAS TACTICAL GUNS4 | 255 E 1630 N APT 1 NORTH LOGAN, UT 84341 | LEGALSHIELD | $111 | $0 | $111 | 0.25% |
| BIG O E ENTERPRISE LLC4 | 1625 SW 5TH STREET HOMESTEAD, FL 33030 | LEGALSHIELD | $59 | $0 | $59 | 0.13% |
| RICAEDIA LLC4 Filed as: RICAEDIA | 47 PRIMOSE CIRCLE PRINCETON, NJ 08540 | LEGALSHIELD | $50 | $0 | $50 | 0.11% |
| VICTOR CHAU4 | 18 DALE AVE WESTBROOK, ME 04092 | LEGALSHIELD | $50 | $0 | $50 | 0.11% |
| MILTON DENNIE4 | 1621 BENCH TRAIL SCHERTZ, TX 78154 | LEGALSHIELD | $27 | $0 | $27 | 0.06% |
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC | 500 LANIER AVENUE W #203 FAYETTEVILLE, GA 30215 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $2K | $10K | $12K | 31.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS INC EIN 35-1846036 NONE | Plan Administrator; Other services; Claims processing Service code 12 | — | $712K |
| RESOURCE SEVEN INC EIN 27-3350028 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $199K |
| ANTHEM EIN 95-4331852 NONE | Other services; Claims processing Service code 12 | — | $156K |
| PHCS EIN 13-3068979 NONE | Plan Administrator; Claims processing; Other services Service code 12 | — | $63K |
| AETNA EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $20K |
| BASIC EIN 38-2883561 FSA ADMIN | Claims processing Service code 12 | — | $14K |
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 | 2,095 | 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) | 2,095 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BEAZLEY INSURANCE COMPANY, INC. | 1,450 | $291K |
| Dental(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 1,841 | $1.5M |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 1,841 | $1.5M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,359 | $1.4M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,359 | $1.4M |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,359 | $1.4M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 9 | $37K |
| Stop-loss / reinsurancereinsurance | SKYWARD UNDERWRITERS AGENCY, INC. (FORMERLY HIIG UNDERWRITERS AGENCY) | 0 | $799K |
| Other(4 contracts, 4 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,770 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,770 | — |
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.
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.