| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD E. CHRISTOPHER3 | 305 GREEN STREET NW GAINESVILLE, GA 30501 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.35% |
| RONALD E. CHRISTOPHER3 | 305 GREEN STREET NW GAINESVILLE, GA 30501 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | — | $4K | 19.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT SUPPORT, INC. EIN 58-1644374 ADMINISTRATOR | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | P.O. BOX 2977 GAINESVILLE, GA 30503 | $104K |
| PHCS C/O MULTIPLAN, INC. EIN 13-3068979 PPO CARRIER | Other services Service code 49 | P.O. BOX 29380 NEW YORK, NY 100879380 | $46K |
| MYIDEALDOCTOR, LLC EIN 38-3884925 TELEMEDICINE VENDOR | Other services Service code 49 | P.O. BOX 6760 THOMASVILLE, GA 31758 | $27K |
| HSTECHNOLOGY SOLUTIONS, INC. EIN 27-1818792 PPO CARRIER | Other services Service code 49 | 3857 BIRCH ST SUITE 586 NEWPORT BEACH, CA 92660 | $17K |
| MEDICAL COST MANAGEMENT CORPORATION EIN 36-3445315 CM/UR/PRE-CERTIFICATION | Other services Service code 49 | 200 W MONROE, SUITE 1850 CHICAGO, IL 60606 | $14K |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 284 | $31K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 336 | $18K |
| Stop-loss / reinsurancereinsurance | SKYWARD UNDERWRITERS AGENCY, INC. - GREAT MIDWEST INSURANCE COMPANY | 340 | $293K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 336 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.