Form 5500 · Employee benefit plan · ATLANTA, GA
COMMUNITY LOANS OF AMERICA, INC.
The filing calls this plan COMMUNITY LOANS OF AMERICA, INC. HEALTH AND WELFARE BENEFIT PLAN.
COMMUNITY LOANS OF AMERICA, INC. of ATLANTA, GA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is AP BENEFIT ADVISORS LLC. Coverage is written through BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. and 1 other carrier. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 58-2091993 · plan 501 · plan year 2026, filed Aug 31, 2026
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78 other employer plans in Georgia have policy years ending in May. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 9 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC., covers 581 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $1,299,228, with $152,777 in disclosed broker commissions — about 12% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
AP BENEFIT ADVISORS LLC is the broker of record on all 9 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | Health, Dental, Vision, Stop-loss | 581 | Jun 1, 2026 | $643,066 | $44,623 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 362 | Jun 1, 2026 | $162,579 | $24,387 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 945 | Jun 1, 2026 | $149,367 | $22,405 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 940 | Jun 1, 2026 | $109,868 | $16,480 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 353 | Jun 1, 2026 | $76,931 | $15,386 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 233 | Jun 1, 2026 | $68,139 | $13,628 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 196 | Jun 1, 2026 | $49,531 | $9,906 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 945 | Jun 1, 2026 | $29,954 | $4,493 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 362 | Jun 1, 2026 | $9,793 | $1,469 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
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Renewal calendar
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