| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC | STE 203 500 LANIERE AVE W FAYETTEVILLE, GA 30214 | UNION SECURITY INSURANCE CO | $19K | — | $19K | 10.05% |
| RESOURCE SEVEN3 Filed as: RESOURCE SEVEN INC | 500 LANIER AVE W STE 203 FAYETTEVILLE, GA 30214 | SUN LIFE ASSURANCE CO OF CANADA | $24K | $3K | $27K | 15.44% |
| RESOURCES SEVEN3 Filed as: RESOURCES SEVEN INC | 500 LANIER AVE W STE 203 FAYETTEVILLE, GA 30214 | SUN LIFE ASSURANCE CO OF CANADA | $18K | $3K | $21K | 23.14% |
| RESOURCE SEVEN3 | 500 LANIER AVE W STE 203 FAYETTEVILLE, GA 302147636 | HUMANA | $2K | — | $2K | 6.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF GA EIN 58-0469845 NONE | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $81K |
| RESOURCE SEVEN, INC EIN 27-3350028 NONE | Consulting (general); Insurance agents and brokers Service code 16 | STE 203 500 LANIER AVE W FAYETTEVILLE, GA 30214 | $78K |
| CORESOURCE, INC. EIN 35-1846036 NONE | Claims processing; Custodial (securities); Plan Administrator Service code 12 | — | $62K |
| BLUE CROSS BLUE SHIELD HEALTHCARE P EIN 58-1638390 NONE | Claims processing; Other services; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $3K |
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 | 293 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MONUMENTAL LIFE INSURANCE CO | 0 | $1K |
| Dental | UNION SECURITY INSURANCE CO | 163 | $192K |
| Vision | HUMANA | 198 | $33K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE CO OF CANADA | 312 | $116K |
| Short-term disability | SUN LIFE ASSURANCE CO OF CANADA | 351 | $175K |
| Long-term disability | SUN LIFE ASSURANCE CO OF CANADA | 351 | $175K |
| Other(2 contracts) | SUN LIFE ASSURANCE CO OF CANADA | 351 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.