| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 5080 SPECTRUM DRIVE 900E ADDISON, TX 75001 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $70K | — | $70K | 4.68% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GEORGIA | 3483 SATTELITE BLVD STE 100 DULUTH, GA 30096 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $28K | — | $28K | 1.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 541 NORTH MAIN STREET STE 100 MOUNT AIRY, NC 27030 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $0 | $151 | $151 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GA INC. | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | AETNA LIFE INSURANCE COMPANY | $16K | $45K | $61K | 6.51% |
| BLUE CHIP BENEFITS3 | 4551 W. 107TH ST SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $13K | $30K | 25.65% |
| BRET M BOEGER3 | 4551 W 107TH ST SUITE 310 OVERLAND PARK, KS 66207 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20K | — | $20K | 19.00% |
| DENNIS WOOLARD3 | 8945 NORTH ALLENTON AVENUE KANSAS CITY, MO 64154 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 2.79% |
| BLUE CHIP BENEFITS3 Filed as: BLUE CHIPS BENEFITS | 4551 W. 107TH ST SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | $7K | $24K | 35.05% |
| BLUE CHIP BENEFITS3 | 4551 W. 107TH ST SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $3K | $16K | 25.00% |
| BLUE CHIP BENEFITS3 | 4551 W. 107TH ST SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $6K | $15K | 25.67% |
| BLUE CHIP BENEFITS3 | 4551 W. 107TH ST SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $5K | $14K | 24.85% |
| BLUE CHIP BENEFITS3 | 4551 W. 107TH ST SUITE 310 OVERLAND PARK, KS 66207 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $4K | $13K | 34.88% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 748 | $2.4M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 748 | $2.4M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 748 | $2.4M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $124K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $118K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $54K |
| Other(4 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 219 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 748 | — |
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. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.