| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIS BENEFITS, INC.3 | 1230 UPPER HEMBREE ROAD SUITE 200 ROSWELL, GA 30076 | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 12.51% |
| BIS BENEFITS, INC.3 | 1230 UPPER HEMBREE ROAD SUITE 200 ROSWELL, GA 30076 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 22.41% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS, INC. | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $179 | $0 | $179 | 0.38% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$111 | $0 | -$111 | -0.24% |
| BIS BENEFITS, INC.3 | 1230 UPPER HEMBREE ROAD SUITE 200 ROSWELL, GA 30076 | TRUSTMARK INSURANCE COMPANY | $1K | $0 | $1K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTHCARE EIN 58-1638390 MEDICAL TPA | Float revenue; Other services; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $229K |
| ADMIN AMERICA, INC. FSA ADMIN | Claims processing Service code 12 | 1720 WINDWARD CONCOURSE SUITE 290 ALPHARETTA, GA 30005 | $3K |
| BIS BENEFITS INC BROKER | Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1230 UPPER HEMBREE RD SUITE 200 ROSWELL, GA 30076 | $0 |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 167 | $206K |
| Vision | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 167 | $206K |
| Life insurance | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 167 | $206K |
| Short-term disability | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 167 | $206K |
| Long-term disability | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 167 | $206K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 113 | $602K |
| Other(3 contracts, 3 carriers) | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 167 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.