| 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 | $52K | $0 | $52K | 11.56% |
| PHELAN INSURANCE AGENCY, INC.3 Filed as: PHELAN JAMES W | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 0.98% |
| MEDOVA HEALTHCARE5 | 345 N RIVERVIEW STREET SUITE 600 WICHITA, KS 67203 | NATIONAL HEALTH INSURANCE AGENCY | $0 | $158K | $158K | 39.36% |
| INSURANCE BROKERS OF GEORGIA3 | 212 SOUTH 10TH STREET GRIFFIN, GA 30224 | NATIONAL HEALTH INSURANCE AGENCY | $82K | $0 | $82K | 20.57% |
| BARROW GROUP3 | 110 E. CROGAN STREET LAWRENCEVILLE, GA 30046 | NATIONAL HEALTH INSURANCE AGENCY | $28K | $0 | $28K | 6.99% |
| PHCS3 Filed as: MULTIPLAN INC- PHCS | P.O. BOX 29380 NEW YORK, NY 10087 | NATIONAL HEALTH INSURANCE AGENCY | $0 | $16K | $16K | 3.91% |
| MEDCOM UTILIZATION MANAGEMENT3 | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | NATIONAL HEALTH INSURANCE AGENCY | $0 | $6K | $6K | 1.48% |
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 | 720 | 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) | 720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 720 | $448K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 720 | $448K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 720 | $448K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 720 | $448K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 720 | $448K |
| Stop-loss / reinsurancereinsurance | NATIONAL HEALTH INSURANCE AGENCY | 272 | $401K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 720 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 720 | — |
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.