| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | DBA EPIC 2405 SATELLITE BOULEVARD, SUITE 200 DULUTH, GA 30096 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $71K | — | $71K | 4.52% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | $10K | $54K | 20.32% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SRV | 22 INVERNESS CENTER PARKWARK STE 100 BIRMINGHAM, AL 35242 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.01% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.89% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS FLOOR 8 NEW YORK, NY 100365811 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 9.88% |
| MINDY M ELLIN3 Filed as: MINDY MELLIN | 135 FOX GRAPE LANE ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $691 | — | $691 | 1.73% |
| V C SMITH LLC3 Filed as: V.C SMITH, LLC | 6420 FALL BRANCH DR COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $254 | — | $254 | 0.64% |
| LEIGH F SEXTON3 | 5300 OAKBROOK PKWY NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 0.32% |
| JAMES DAVIS3 Filed as: JAMES E DAVIS | 1506 KLOWNIKE RD SUITE 100 CONYERS, GA 30094 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 0.25% |
| ANGELICA SAMANIEGO3 | 782 N STEELE DR HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $76 | — | $76 | 0.19% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM MERRITT WARDLAW JR | WARDLAW AND ASSOCIATES 195 GARFIELD ST SANTA ROSA BEACH, FL 32459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.17% |
| JEFFREY M SINTAY3 | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | — | $56 | 0.14% |
| SCOTT A SMITH3 Filed as: SCOTT ALLEN SMITH | 5300 OAKBROOK PKWY STE 350 NORCROSS, GA 300936206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.13% |
| THOMAS DEAN BAXTER3 | 137 SCHOOL RD HAMPTOM, GA 302282597 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | — | $46 | 0.12% |
| PRESTON K STANCIL3 Filed as: PRESTON KENNETH STANCIL | 4546 DUANE DR BUFORD, GA 30519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.10% |
| CHRISTOPHER WALLACE HOFF3 | 22996 SW LODGEPOLE AVE TUALATIN, OR 97062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.09% |
| CAROLINA BETANCUR GUTIERREZ3 | 140 STERLING RD JASPER, GA 30143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.07% |
| CINDY K CORVI3 | 24240 GALLBERRY DR VENICE, FL 34293 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.07% |
| RONALD E KIRKLAND3 Filed as: RONALD EDWARD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 359768625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.06% |
| DARYL PERRY3 Filed as: DARYL EDWARD PERRY | 18 WATERS EDGE DR SE ACWORTH, GA 301022990 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| MICHAEL B PETERS3 | 3385 SHOAL CREEK RD MONROE, GA 30656 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.05% |
| JOHN DALLAS BYERS3 | 2026 VALLEY BROOK DR BRENTWOOD, TN 370273723 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.04% |
| AUSTIN J RICE3 Filed as: AUSTIN JAMES RICE | 205 PERSIMMON TRL WOODSTOCK, GA 301887038 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM MERRITT WARDLAW JR | WARDLAW ASSOCIATES 195 GARFIELD ST SANTA ROSA BEACH, FL 32459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DR FLOWERY BRANCH, GA 30542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| COLLEEN M KIRKLAND3 Filed as: COLLEEN MEILING KIRKLAND | 11050 CRABAPPLE RD STE C 107 ROSWELL, GA 300752489 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| JEFFREY M SINTAY3 | PO BOX 540246 GREENARCES, FL 33454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| ANDREA R BROCK3 Filed as: ANDREA RENEEE BROCK | 5120 INDIAN CIR GAINESVILLE, GA 305063172 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| THOMAS J STEPHENSON3 Filed as: THOMAS JOSEPH STEPHENSON | 31 STADELMAN CT CATERSVILLE, GA 30120 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| JOHN P KOWN II3 Filed as: JOHN PHILLIP KOWN | 1226 BONSHAW TRAIL MARIETTA, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| MILLAN B TERRELL3 Filed as: MILLAN BISHAR-RA TERRELL | 270 LANTANA DR LOCUST GROVE, GA 30248 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JAMES D DUDLEY3 Filed as: JAMES DAVID DUDLEY | 3061 EDGEWOOD CT COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| DUSTIN ROBERT JOHNSON3 | 58 MODA LN ATLANTA, GA 30316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LEE RYAN MCGRAW3 | 1170 MANN RD DOUGLASVILLE, GA 301343121 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| STEVEN VORDERLANDWEHR3 Filed as: STEVEN M VORDERLANDWEHR | 1018 HIGHGROVE DR MONROE, GA 306557917 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KEITH ANTHONY KLEINE3 | 2216 SPRUCEWOOD DR ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 270 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $264K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $264K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $264K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $264K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $264K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 270 | $1.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.