| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OAKBRIDGE INSURANCE AGENCY LLC3 | 212 S 10TH STREET GRIFFIN, GA 30224 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $61K | $0 | $61K | 12.88% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY | 887 WEST MARIETTA STREET N-108 ATLANTA, GA 30318 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $491 | $491 | 2.50% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY | 887 WEST MARIETTA STREET N-108 ATLANTA, GA 30318 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $456 | $456 | 2.50% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY | 887 WEST MARIETTA STREET N-108 ATLANTA, GA 30318 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $718 | $0 | $718 | 8.52% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $120 | $120 | 1.42% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY | 887 WEST MARIETTA STREET N-108 ATLANTA, GA 30318 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $528 | $0 | $528 | 8.66% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $88 | $88 | 1.44% |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 363 | $473K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 363 | $473K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 363 | $481K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 363 | $491K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 363 | $479K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 363 | $501K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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.