| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FREDERICK VAN PATTEN3 | 5955 PARKWAY NORTH BLVD CUMMING, GA 30040 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $18K | 4.57% |
| BIA BENEFITS CONSULTING LLC3 Filed as: BIA BENEFITS CONSULTING, LLC | 823 CHICKAMAUGA AVE ROSSVILLE, GA 30741 | AMERITAS LIFE INSURANCE CORP | $22K | $0 | $22K | 10.00% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | 6310 BRADLEY PARK DRIVE COLUMBUS, GA 31904 | HCC LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MERITAIN HEALTH EIN 16-1264154 ADMIN | Claims processing Service code 12 | — | $169K |
| BIA BENEFITS CONSULTING LLC EIN 20-8266101 AGENT | Insurance agents and brokers Service code 22 | PO BOX 460 ROSSVILLE, GA 30741 | $134K |
| ADMIN AMERICA INC EIN 20-3581707 FSA/COBRA ADMIN | 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 | 407 | 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) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HCC LIFE INSURANCE COMPANY | 375 | $1.7M |
| Dental | AMERITAS LIFE INSURANCE CORP | 389 | $223K |
| Vision | AMERITAS LIFE INSURANCE CORP | 389 | $223K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 407 | $389K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 407 | $389K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 407 | $389K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 375 | $1.7M |
| Other | HCC LIFE INSURANCE COMPANY | 927 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 927 | — |
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."
No prospect flags tripped on this filing.