| 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 | $90K | — | $90K | 7.33% |
| SOUTHERN PROTECTIVE GROUP LLC3 | 4595 TOWN LAKE PARKWAY BUILDING 300 SUITE 210 WOODSTOCK, GA 30189 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 100 FRONT ST SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $6K | $6K | 0.51% |
| BENEFITS ADVISORY GROUP3 | 5555 GLENRIDGE CONNECTOR NE SUITE 600 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | — | $32K | 7.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVENUESUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | P O BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 4.85% |
| JEFFREY S FISHER3 | 365 BRENTWOOD TERRACE NE ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.83% |
| ANDREW D KOWN3 | 710 CREEK GARDEN CT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.52% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $834 | — | $834 | 0.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 3625 N ELM STREET STE 200 GREENSBORO, NC 27455 | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC | $6K | $657 | $7K | 10.29% |
| BENEFITS ADVISORY GROUP3 | 3715 NORTHSIDE PARKWAY NW BLDG 200 STE 400 ATLANTA, GA 30327 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COVENANT ADMINISTRATORS CLAIMS ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing; Plan Administrator Service code 12 | 2810 PREMIERE PARKWAY SUITE 400 DULUTH, GA 30097 | $1.1M |
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 | 433 | 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) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE CO | 542 | $719K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,407 | $435K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA INC | 810 | $64K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 736 | $1.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 736 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 736 | $1.2M |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO | 542 | $719K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 736 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,407 | — |
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.