| 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 | $72K | — | $72K | 5.39% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $6K | $37K | 12.72% |
| WORKSITE BENEFIT SERVICES3 | 246 INVERNESS CENTER BIRMINGHAM, AL 35242 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.66% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 11.91% |
| CINDY K CORVI3 | 24240 GALLBERRY DRIVE VENICE, FL 34293 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.76% |
| V C SMITH LLC3 | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.05% |
| LEIGH F SEXTON3 | 5300 OAKBROOK PARKWAY NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.48% |
| CHRISTOPHER W HOFF3 | 1095 WILLOW BEND ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.69% |
| ANGELICA SAMANIEGO3 | 782 N STEELE DRIVE HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.29% |
| MINDY M ELLIN3 | 135 FOX GRAPE LANE ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $975 | — | $975 | 1.53% |
| WILLIAM M WARDLAW JR3 | 368 WEST PIKE STREET SUITE 207 LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $269 | — | $269 | 0.42% |
| PRESTON K STANCIL3 | 4546 DUANE DRIVE BUFORD, GA 30519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $152 | — | $152 | 0.24% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.12% |
| COLLEEN M KIRKLAND3 Filed as: COLLEEN M LAWS | 6030 CRESTMONT DRIVE CHINO HILLS, CA 91709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.08% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN D BYERS | 2477 TITANS LANE BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.06% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.06% |
| WILLIAM M WARDLAW JR3 | 368 WEST PIKE STREET SUITE 207 LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| COVENANT BENEFITS GROUP INC3 Filed as: COVENANT BENEFITS GROUP | 704 BROOKHAVEN RUN CIRCLE DULUTH, GA 30097 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| BROCK R ANDREA3 | 5120 INDIAN CIRCLE GAINESVILLE, GA 30506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| MICHAEL B PETERS3 | 3385 SHOAL CREEK ROAD MONROE, GA 30656 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.02% |
| KEITH ANTHONY KLEINE3 Filed as: KEITH KLEINE | 2216 SPRUCEWOOD DRIVE ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| JAMES D DUDLEY3 | 3061 EDGEWOOD COURT COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| 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% |
| LEE R MCGRAW3 | 9722 FALLVIEW COURT VILLA RICA, GA 30180 | 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% |
| CHASTAIN AND ASSOCIATES3 | P O BOX 1908 ATHENS, GA 30603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| DAVID RAY SEAY3 | 704 BROOKHAVENRUN CIRCLE DULUTH, GA 30097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 6.09% |
| SHERI L MITCHELL INC3 | 540 BIRNAMWOOD DRIVE SUWANEE, GA 30024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $92 | — | $92 | 4.24% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $56 | $1 | $57 | 2.63% |
| B V STONE INC3 | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $1 | $40 | 1.84% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 1.75% |
| C MARIE ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 1.52% |
| MAGDALENA RUIZ DE GOMEZ3 | 163 STILLWOOD DRIVE NEWNAN, GA 30265 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 1.15% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.46% |
| MINDY M ELLIN3 | 135 FOX GRAPE LANE ALPHARETTA, GA 30022 | AFLAC | $97 | — | $97 | 16.93% |
| V C SMITH LLC3 | 5300 OAKBROOK PARKWAY BLDG 300 350 NORCROSS, GA 30093 | AFLAC | $23 | — | $23 | 4.01% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PARKWAY SUITE 300 NORCROSS, GA 30093 | AFLAC | $16 | — | $16 | 2.79% |
| PRESTON K STANCIL3 | 2293 OAK FALLS LANE BUFORD, GA 30519 | AFLAC | $6 | — | $6 | 1.05% |
| JOHN DALLAS BYERS3 | 2026 VALLEY BROOK DRIVE BRENTWOOD, TN 37027 | AFLAC | $1 | — | $1 | 0.17% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIRCLE DACULA, GA 30019 | AFLAC | $1 | — | $1 | 0.17% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $1 | — | $1 | 0.17% |
| SUSAN REDDOCH BUFFINGTON3 | 400 TAX ROAD SHILOH, GA 31826 | AFLAC | $1 | — | $1 | 0.17% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 300 NORCROSS, GA 30093 | AFLAC | $1 | — | $1 | 0.17% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD STREET SUITE 259 MEMPHIS, TN 38119 | AFLAC | $1 | — | $1 | 0.17% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 85076 MAJESTIC WALK CIRCLE FERNANDINA BEACH, FL 32034 | AFLAC | $1 | — | $1 | 0.17% |
| LEE RYAN MCGRAW3 | 1170 MANN ROAD DOUGLASVILLE, GA 30134 | AFLAC | $1 | — | $1 | 0.17% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 343 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $290K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $290K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 175 | $290K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 195 | $15K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 343 | $1.3M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 177 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.