| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $22K | $2K | $24K | 4.29% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PARKWAY NE, SUITE 2750 ATLANTA, GA 30328 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $11K | $0 | $11K | 1.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 6.89% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PARKWAY NE, SUITE 2750 ATLANTA, GA 30328 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 3.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $353 | $0 | $353 | 9.23% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PARKWAY, SUITE 2750 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $221 | $34 | $255 | 6.66% |
| PEACHTREE PLANNING OF GEORGIA3 | UNKNOWN KENNESAW, GA 30144 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | $0 | $4 | 0.10% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 73 | $557K |
| Dental | HUMANA INSURANCE COMPANY | 192 | $63K |
| Vision | HUMANA INSURANCE COMPANY | 192 | $63K |
| Life insurance | HUMANA INSURANCE COMPANY | 192 | $63K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 18 | $4K |
| Prescription drug | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 73 | $557K |
| Other | HUMANA INSURANCE COMPANY | 192 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.