| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $236K | $17K | $254K | 2.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $35K | $50K | 32.97% |
| MICHAEL F FAHEY III3 Filed as: MICHAEL F FAHEY LII | AND VARIOUS OTHER BROKERS 103 PALM DRIVE SAN CLEMENTE, CA 92672 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | $2K | $21K | 20.49% |
| JACK ALLEN NORRIS3 | 2439 DUTCH BRANCH ROAD COLUMBIA, SC 29210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $86 | $12 | $98 | 0.09% |
| AMY E COHEN3 | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $15K | $23K | 28.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $18K | $26K | 33.73% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 11.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $464 | $6K | 10.82% |
| ESQUEN INSURANCE GROUP CORP3 | AND VARIOUS OTHER BROKERS 14552 SW 152ND PL MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $214 | $15 | $229 | 22.28% |
| LAWRENCE DAVID FURNISS3 | 19525 LENAIRE DR MIAMI, FL 33157 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.58% |
| GROUP SUPPLEMENTAL BENEFITS INC3 | 1003 E COOLEY DR STE 211 COLTON, CA 92324 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $60 | $0 | $60 | 8.24% |
| CREATIVE BENEFIT CONSULTANTS INC3 | AND VARIOUS OTHER BROKERS 18214 102ND WAY S BOCA RATON, FL 33498 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $47 | $191 | 29.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $82 | $4 | $86 | 13.27% |
| GROUP SUPPLEMENTAL BENEFITS INC3 | 1003 E COOLEY DR STE 211 COLTON, CA 92324 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $1 | $5 | 0.77% |
| ESQUEN INSURANCE GROUP CORP3 | AND VARIOUS OTHER BROKERS 14552 SW 152ND PLACE MIAMI, FL 33196 | THE PAUL REVERE LIFE INSURANCE COMPANY | $66 | $4 | $70 | 19.18% |
| LAWRENCE DAVID FURNISS3 | 19525 LENAIRE DR MIAMI, FL 33157 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 1.10% |
| GROUP SUPPLEMENTAL BENEFITS INC3 | 1003 E COOLEY DR STE 211 COLTON, CA 92324 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.27% |
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 | 884 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 884 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,050 | $8.9M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,050 | $8.9M |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 978 | $68K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 884 | $152K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 885 | $81K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,050 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.