| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCOTT JONES3 | 205 EAST MEMORY LANE SANTA ANA, CA 92705 | GREATER GEORGIA LIFE | $38K | $0 | $38K | 6.60% |
| SCOTT JONES3 | 205 EAST MEMORY LANE SANTA ANA, CA 92705 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 3.00% |
| SCOTT JONES3 | 205 EAST MEMORY LANE SANTA ANA, CA 92705 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $22K | $0 | $22K | 36.14% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | -$1 | $675 | $674 | 1.10% |
| SCOTT E JONES3 Filed as: SCOTT E. JONES | 205 EAST MEMORY LANE SANTA ANA, CA 92705 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $708 | $0 | $708 | 10.00% |
| CONSOLIDATE FINANCIAL3 | UNKNOWN CANTON, GA 30114 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14 | $0 | $14 | 0.20% |
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 | 579 | 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) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 13 | $78K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 1,032 | $68K |
| Life insurance(2 contracts, 2 carriers) | GREATER GEORGIA LIFE | 579 | $588K |
| Short-term disability(2 contracts, 2 carriers) | GREATER GEORGIA LIFE | 579 | $588K |
| Long-term disability(2 contracts, 2 carriers) | GREATER GEORGIA LIFE | 579 | $588K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 13 | $78K |
| Other(2 contracts, 2 carriers) | GREATER GEORGIA LIFE | 579 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,032 | — |
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.
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.