| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DECISELY INSURANCE SERVICES INC3 | 12735 MORRIS ROAD SUITE 350 ALPHARETTA, GA 30004 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $137K | $0 | $137K | 4.19% |
| DECISELY INSURANCE SERVICES INC3 | 10800 ALPHARETTA HWY SUITE 208 #784 ROSWELL, GA 30076 | KAISER FOUNDATION HEALTH PLAN INC | $106K | $0 | $106K | 4.84% |
| DECISELY INSURANCE SERVICES INC3 | PO BOX 8064 CAROL STREAM, IL 60197 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $26K | $0 | $26K | 4.62% |
| DECISELY INSURANCE SERVICES INC3 | 12735 MORRIS ROAD SUITE 350 ALPHARETTA, GA 30004 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.26% |
| DECISELY INSURANCE SERVICES INC3 | 10800 ALPHARETTA HWY SUITE 208 #784 ROSWELL, GA 30076 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $10K | $0 | $10K | 4.92% |
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 | 641 | 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) | 641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 296 | $6.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 853 | $362K |
| Prescription drug(4 contracts, 4 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 296 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 853 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.