| 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 | $58K | $54 | $58K | 5.07% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.95% |
| MINDY M ELLIN3 | 135 FOX GRAPE LANE ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.48% |
| LEIGH F SEXTON3 | 5300 OAKBROOK PKWY NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.69% |
| V C SMITH LLC3 | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.33% |
| ANGELICA SAMANIEGO3 | 782 N STEEL DRIVE HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $899 | — | $899 | 1.23% |
| CAROLINA GUTIERREZ3 | 3061 EDGEWOOD CT COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $712 | — | $712 | 0.97% |
| JEFFREY M SINTAY3 | 115 WRIGHTS MILL PLACE ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $607 | — | $607 | 0.83% |
| CINDY K CORVI3 | 24240 GALLBERRY DR VENICE, FL 34293 | CONTINENTAL AMERICAN INSURANCE COMPANY | $216 | — | $216 | 0.30% |
| COLLEEN M KIRKLAND3 | 11050 CRABAPPLE RD STE C107 ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | — | $181 | 0.25% |
| DARYL PERRY3 | 1241 WADE GREEN COURT ACWORTH, GA 30102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | — | $140 | 0.19% |
| MICHAEL B PETERS3 | 3385 SHOAL CREEK ROAD MONROE, GA 30656 | CONTINENTAL AMERICAN INSURANCE COMPANY | $114 | — | $114 | 0.16% |
| PRESTON K STANCIL3 | 4546 DUANE DRIVE BUFORD, GA 30519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | — | $113 | 0.15% |
| WILLIAM WARDLAW JR3 | 187 S CULVER ST LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.15% |
| CHRISTOPHER W HOFF3 | 1095 WILLOW BEND ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.10% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN D BYERS | 2477 TITANS LN BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.04% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.04% |
| WILLIAM M WARDLAW JR3 | 187 S CULVER ST LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.02% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| BROCK R ANDREA3 | 5120 INDIAN CIRCLE GAINESVILLE, GA 30506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| KEITH ANTHONY KLEINE3 Filed as: KEITH KLEINE | 2216 SPRUCEWOOD DRIVE ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | $184 | $30K | — |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES | 246 INVERNESS CENTER BIRMINGHAM, AL 35242 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | — |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 293 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $0 |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $0 |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $0 |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 207 | $73K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $0 |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 293 | $1.2M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 207 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.