| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | P O BOX 724137 ATLANTA, GA 31139 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $71K | $836 | $72K | 17.73% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $4K | $19K | 13.00% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | P O BOX 724137 ATLANTA, GA 31139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $124 | $8K | 15.24% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | P O BOX 724137 ATLANTA, GA 31139 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $124 | $7K | 15.28% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | P O BOX 724137 ATLANTA, GA 31130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $124 | $1K | 16.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTH PL GA EIN 58-1638390 CLAIMS ADMIN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services; Other fees; Contract Administrator Service code 12 | — | $265K |
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 | 346 | 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) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 581 | $404K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $143K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 332 | $143K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $151K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 346 | $45K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 581 | $404K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.