| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 220 WALNUT PLAZA MUNCIE, IN 47305 | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $52K | — | $52K | 12.42% |
| PEACHTREE BENEFIT GROUP INC3 | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $137 | $5K | 15.46% |
| PEACHTREE BENEFIT GROUP INC3 | 3580 PIERCE DRIVE SUITE 100 CHAMBLEE, GA 30341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $103 | $3K | 15.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTH PL GA EIN 58-1638390 CLAIMS ADMIN | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $122K |
| BLUE CROSS BLUE SHIELD HEALTHCARE | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $44K |
| BLUE CROSS BLUE SHEILD HEALTH PL GA EIN 58-1638390 12 13 15 49 62 | Other fees Service code 99 | — | $6K |
| ACRISURE LLC | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $3K |
| BLUE CROSS BLUE SHIELD OF GA EIN 58-0469845 CLAIMS ADMIN | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator 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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 276 | $420K |
| Vision | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 276 | $420K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 155 | $7K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $22K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 71 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.