| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS-BSC LLC3 Filed as: DS BSC, LLC DBA TOTEM SOLUTIONS | 11330 LAKEFIELD DR. STE 150 DULUTH, GA 30097 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $15K | — | $15K | 5.05% |
| DS-BSC LLC3 Filed as: DS BSC, LLC DBA TOTEM SOLUTIONS | 11330 LAKEFIELD DR. STE 150 DULUTH, GA 30097 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 7.50% |
| ASCENDE, INC.3 Filed as: ASCENDE, INC | 2700 POST OAK BLVD, 25TH FLOOR HOUSTON, TX 77056 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 2.50% |
| DS-BSC LLC3 Filed as: DS BSC, LLC DBA TOTEM SOLUTIONS | 11330 LAKEFIELD DR. STE 150 DULUTH, GA 30097 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTHCARE EIN 58-1638390 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Other services; Other fees; Claims processing; Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions; Contract Administrator Service code 12 | — | $454K |
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 | 927 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 94 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,021 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 60 | $467K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10 | $173K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,330 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,330 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.