| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE BROKERS OF GEORGIA3 Filed as: INSURANCE BROKERS OF GEORGIA INC | 212 SOUTH 10TH ST GRIFFIN, GA 30224 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $0 | $29K | 11.12% |
| MEDOVA HEALTHCARE3 | 345 N RIVERVIEW SUITE 600 WICHITA, KS 67203 | AMERICAN NATIONAL INSURANCE COMPANY | $0 | $123K | $123K | 58.33% |
| INSURANCE BROKERS OF GEORGIA3 Filed as: INSURANCE BROKERS OF GEORGIA, INC | 212 SOUTH 10TH ST GRIFFIN, GA 30224 | AMERICAN NATIONAL INSURANCE COMPANY | $77K | $0 | $77K | 36.54% |
| BARROW GROUP3 Filed as: BARROW GROUP LLC | 110 E CROGAN ST LAWRENCEVILLE, GA 30046 | AMERICAN NATIONAL INSURANCE COMPANY | $26K | $0 | $26K | 12.43% |
| PHCS3 Filed as: PHCS/MULTIPLAN | P.O. BOX 29380 NEW YORK, NY 10087 | AMERICAN NATIONAL INSURANCE COMPANY | $0 | $15K | $15K | 6.94% |
| MEDCOM UTILIZATION MANAGEMENT3 | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | AMERICAN NATIONAL INSURANCE COMPANY | $0 | $6K | $6K | 2.63% |
| WANDA SHAW3 | P.O. BOX 611 GRIFFIN, GA 30224 | ALLSTATE BENEFITS | $79K | $0 | $79K | 67.55% |
| WANDA SHAW3 | P.O. BOX 611 GRIFFIN, GA 30224 | ALLSTATE BENEFITS | $5K | $0 | $5K | 18.39% |
| INSURANCE BROKERS OF GEORGIA3 Filed as: INSURANCE BROKERS OF GEORGIA, INC | P.O. BOX 611 212 S 10TH ST GRIFFIN, GA 30224 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.07% |
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 | 499 | 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) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ALLSTATE BENEFITS | 262 | $157K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 499 | $263K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 499 | $263K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 499 | $379K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 499 | $263K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 499 | $263K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 230 | $211K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 499 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.