| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | 6000 POPLAR SUITE 300 MEMPHIS, TN 38119 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $40K | — | $40K | 4.80% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY SVCS LLC | 3715 NORTHSIDE PARKWAY SUITE 1 500 ATLANTA, GA 30327 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $16K | — | $16K | 1.95% |
| REGIONS INSURANCE INC3 | — | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $2K | — | $2K | 3.35% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY SVCS | — | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $1K | — | $1K | 1.65% |
| REGIONS INSURANCE GROUP3 Filed as: REGIONS INSURANCE, INC. SHARED SVCS | 6000 POPLAR AVENUE MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.03% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY SER | 3715 NORTHSIDE PARKWAY NORTHWEST BUILDING 100-500 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $285 | $2K | 5.49% |
| REGIONS INSURANCE GROUP3 Filed as: REGIONS INSURANCE ROSEWOOD | 300 COLONIAL CENTER SUITE 200 ROSEWELL, GA 30076 | FIDELITY SECURITY LIFE INSURANCE | $1K | — | $1K | 7.99% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY SVCS LLC | 3715 NORTHSIDE PARK SUITE 1-500 ATLANTA, GA 30327 | FIDELITY SECURITY LIFE INSURANCE | $982 | — | $982 | 7.02% |
| REGIONS INSURANCE GROUP3 Filed as: REGIONS INSURANCE, INC. SHARED SVCS | 6000 POPLAR AVENUE MEMPHIS, TN 38119 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $921 | — | $921 | 8.40% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 Filed as: IRONWOOD BENEFITS ADVISORY SER | 3715 NORTHSIDE PARKWAY NORTHWEST BUILDING 100-500 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $871 | $44 | $915 | 8.35% |
No Schedule C service providers reported on this filing.
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 115 | $840K |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 99 | $66K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 115 | $840K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $32K |
| Other(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE | 69 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.