| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 52265 | METROPOLITAN LIFE INSURANCE COMPANY | $102K | $0 | $102K | 2.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.06% |
| 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 COMPNAY, INC. | $64K | $0 | $64K | 5.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | VISION SERVICE PLAN | $35K | $0 | $35K | 2.77% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $9K | $0 | $9K | 3.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | METLIFE LEGAL PLANS | $15K | $4K | $20K | 11.97% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY, INC | $5K | $0 | $5K | 3.15% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY, INC. | $4K | $0 | $4K | 7.45% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 200 GLENRIDGE POINT PARKWAY ATLANTA, GA 30342 | ZURICH AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCITES, INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGER | Float revenue; Claims processing; Other fees; Direct payment from the plan Service code 12 | — | $15.1M |
| BLUECROSS BLUESHIELD OF GA EIN 58-1638390 MEDICAL ADMINISTRATOR | Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue Service code 12 | — | $5.6M |
| MATRIX ABSENCE MANAGEMENT EIN 77-0493584 STD ADMINISTRATION | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $71K |
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 | 18,713 | 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) | 18,713 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 12,652 | $3.7M |
| Vision | VISION SERVICE PLAN | 5,644 | $1.3M |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY, INC. | 18,713 | $1.4M |
| Short-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY, INC. | 80 | $49K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPNAY, INC. | 7,075 | $1.3M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF GEORGIA | 12,590 | $1.2M |
| Other(7 contracts, 5 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY, INC. | 18,713 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,713 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.