| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $60K | — | $60K | 4.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 15.60% |
| WORKSITE BENEFIT SERVICES3 | 246 INVERNESS CENTER BIRMINGHAM, AL 35242 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 12.97% |
| DAVID RAY SEAY3 | 704 BROOKHAVENRUN CIRCLE DULUTH, GA 30097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.72% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $829 | $563 | $1K | 3.79% |
| SHERI L MITCHELL INC3 | 540 BIRNAMWOOD DRIVE SUWANEE, GA 30024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $27 | $1K | 3.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $881 | — | $881 | 2.40% |
| B V STONE INC3 | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $680 | $123 | $803 | 2.19% |
| C MARIE ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $444 | $85 | $529 | 1.44% |
| MAGDALENA RUIZ DE GOMEZ3 | 163 STILLWOOD DRIVE NEWNAN, GA 30265 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $316 | $21 | $337 | 0.92% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $209 | $90 | $299 | 0.81% |
| MITCHELL HECTOR MORALES3 | P O BOX 2532 NORCROSS, GA 30091 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $98 | — | $98 | 0.27% |
| DANIEL HALL3 | P O BOX 567081 ATLANTA, GA 31156 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 0.11% |
| CRAIG ALEXANDER MILLER3 | 5206 COVESOUND WAY APOLLO BEACH, FL 33572 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.08% |
| RJK & ASSOCIATES INC3 Filed as: RJK AND ASSOCIATES INC | 777 DREWRY ST NE ATLANTA, GA 30306 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $9 | $15 | 0.04% |
| LAURIE J BURNS3 | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.80% |
| MINDY M ELLIN3 | 135 FOX GRAPE LANE ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.87% |
| V C SMITH LLC3 | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $635 | — | $635 | 2.60% |
| WILLIAM M WARDLAW JR3 | 368 WEST PIKE STREET SUITE 207 LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $295 | — | $295 | 1.21% |
| COVENANT BENEFITS GROUP INC3 Filed as: COVENANT BENEFITS GROUP | 704 BROOKHAVEN RUN CIRCLE DULUTH, GA 30097 | CONTINENTAL AMERICAN INSURANCE COMPANY | $220 | — | $220 | 0.90% |
| PRESTON K STANCIL3 | 4546 DUANE DRIVE BUFORD, GA 30519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $207 | — | $207 | 0.85% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.32% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN D BYERS | 2477 TITANS LANE BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | — | $60 | 0.25% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.16% |
| WILLAM M WARDLAW JR3 | 368 WEST PIKE STREET SUITE 207 LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.14% |
| BROCK R ANDREA3 | 4229 MOUNTAIN RIDGE ROAD GAINESVILLE, GA 30506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.07% |
| MICHAEL B PETERS3 | 3385 SHOAL CREEK ROAD MONROE, GA 30656 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.07% |
| JAMES D DUDLEY3 | 3061 EDGEWOOD COURT COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| LEE R MCGRAW3 | 9722 FALLVIEW COURT VILLA RICA, GA 30180 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| NORBERT FELTROP3 | 804 HOLLY RIDGE CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| WENDY M RANKIN3 | 990 PEBBLESTONE COURT ALPHARETTA, GA 30009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIRCLE DACULA, GA 30019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN R JOHNSON | 50 HURT PLAZA SE SUITE 995 ATLANTA, GA 30306 | 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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 325 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $220K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $220K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $220K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 325 | $1.3M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 158 | $281K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.