Filings through .
| Carrier | Coverage | Premium, renewal |
|---|---|---|
Broker: 360 Benefits LLC HealthPPOIndemnity | HealthPPOIndemnity | Pro |
Broker: 360 Benefits LLC DentalVisionLTDOtherIndemnity | DentalVisionLTDOtherIndemnity | Pro |
See premium, retention and renewal dates for 6 contracts with Pro.
Pro shows premium, covered lives, retention, contract numbers and the renewal date for each contract. Free for 7 days, no card. Then $49 a month. Cancel any time.
| Broker | Commissions, fees |
|---|---|
Carrier: Blue Cross Blue Shield of Georgia, Inc. | Pro |
Carrier: Blue Cross Blue Shield of Georgia, Inc. | Pro |
Carrier: Blue Cross Blue Shield of Georgia, Inc. | Pro |
Carrier: Metropolitan Life Insurance Company | Pro |
Carrier: Metropolitan Life Insurance Company | Pro |
Carrier: Metlife Legal Plans | Pro |
No Schedule C service providers reported on this filing.
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 287 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $238K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $238K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $238K |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
Broker compensation exceeds 5% of premium. This is either a small-plan minimum fee or an inefficient broker structure open to a counter-bid.
The top carrier holds over 85% of premium. A rate increase from that carrier moves the whole plan.
Premium per covered life exceeds 2x the peer median for this NAICS and size cohort. The plan is either richly funded or stuck with a bad rate.
Schedule A changed between filings. The plan moved between insured and self-funded, or contracts were added or removed. The transition window is open.