| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 5555 GLENRIDGE CONNECTOR SUITE 600 ATLANTA, GA 30115 | HARTFORD LIFE AND ACCIDENT | $45K | — | $45K | 5.11% |
| SOUTHERN PROTECTIVE GROUP LLC3 | 4595 TOWN LAKE PARKWAY BUILDING 300 SUITE 210 WOODSTOCK, GA 30189 | HARTFORD LIFE AND ACCIDENT | $25K | — | $25K | 2.88% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | P O BOX 201503 DALLAS, TX 75320 | HARTFORD LIFE AND ACCIDENT | $90 | — | $90 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 300 WEST 10TH STREET WEST POINT, GA 31833 | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC | $5K | — | $5K | 10.00% |
| BENEFITS ADVISORY GROUP3 | 3715 NORTHSIDE PARKWAY NW BLDG 200 SUITE 400 ATLANTA, GA 30327 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COVENANT ADMINISTRATORS CLAIMS ADMIN | Claims processing; Plan Administrator; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 2810 PREMIERE PARKWAY SUITE 400 DULUTH, GA 30097 | $365K |
| LTCG INSURANCE SERVICES | Insurance services Service code 23 | 8601 N SCOTTSDALE ROAD SUITE 335 SCOTTSDALE, AZ 85253 | $0 |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE CO | 526 | $485K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC | 643 | $48K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 689 | $879K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 689 | $879K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 689 | $912K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO | 526 | $485K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 689 | $912K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 689 | — |
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."
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.