| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $6K | $0 | $6K | 2.15% |
| ACRISURE LLC3 | 16805 W CLEVELAND AVENUE NEW BERLIN, WI 53151 | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $10 | $556 | $566 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 15.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 4401 NORTHSIDE PKWY NW SUITE 800 ATLANTA, GA 30327 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTH PL GA EIN 58-1638390 CLAIMS ADMIN | Float revenue; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $192K |
| ACRISURE LLC BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 220 WALNUT PLAZA MUNCIE, IN 47305 | $0 |
| IRONWOOD BENEFITS ADVISORY SERVICES BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 3715 NORTHSIDE PARKWAY NW ATLANTA, GA 30327 | $0 |
| INGENIORX, INC. EIN 82-3062245 RX ADMIN | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | -$31K |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 288 | $273K |
| Vision | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 288 | $273K |
| Life insurance | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 288 | $273K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $70K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $70K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 288 | $273K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.