| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM ST 200 GREENSBORO, NC 27455 | BLUE CROSS BLUE SHIELD OF GEORGIA | $18K | $2K | $20K | 9.16% |
| STATEMENT ATTACHED3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | — | $24K | 14.41% |
| MARSH & MCLENNAN AGENCY LLC3 | 200 BROOKSTONE CENTRE PKWY, STE 118 COLUMBUS, GA 31904 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.07% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 70 WEST POINT, GA 31833 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.90% |
| STATEMENT ATTACHED3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $428 | — | $428 | 3.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFIT MANAGEMENT SERVICE EIN 81-0391256 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Claims processing; Contract Administrator Service code 12 | — | $170K |
| J. SMITH LANIER, A MARSH MCLENNAN EIN 26-3237576 NONE | Securities brokerage commissions and fees; Direct payment from the plan Service code 50 | — | $147K |
| SENTRY HEALTH EIN 27-3334466 NONE | Other insurance fees and expenses; Direct payment from the plan Service code 50 | — | $38K |
| MULTIPLAN INC EIN 13-3068979 NONE | Other fees; Direct payment from the plan Service code 50 | — | $22K |
| TELEMEDICINE MANAGEMENT EIN 26-1306606 NONE | Direct payment from the plan; Other insurance fees and expenses Service code 50 | — | $12K |
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 | 534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 86 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA | 626 | $221K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA | 626 | $221K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 487 | $152K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 356 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.