| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $103K | $103K | 2.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH STREET SUITE 900 KANSA CITY, KS 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 0.11% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY, INC. | $68K | $0 | $68K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY, INC. | $62K | $0 | $62K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | VISION SERVICE PLAN | $34K | $0 | $34K | 2.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $9K | $0 | $9K | 2.41% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 13.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY, INC. | $4K | $0 | $4K | 3.69% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY, INC. | $3K | $0 | $3K | 7.56% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | ZURICH AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSCOIATES, INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY MANAGEMENT | Float revenue; Claims processing; Direct payment from the plan Service code 12 | — | $12.0M |
| BLUECROSS BLUESHIELD OF GA EIN 58-1638390 MEDICAL ADMINISTRATOR | Float revenue; Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $5.0M |
| MATRIX ABSENCE MANAGEMENT EIN 77-0493584 STD ADMINISTRATION | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $73K |
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 | 16,097 | 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) | 16,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 13,011 | $3.5M |
| Vision | VISION SERVICE PLAN | 5,886 | $1.2M |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY, INC. | 16,097 | $1.4M |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY, INC. | 137 | $40K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY, INC. | 6,173 | $1.2M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF GEORGIA | 7,376 | $1.0M |
| Other(7 contracts, 5 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY, INC. | 16,097 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,097 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.