| 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. | $64K | — | $64K | 5.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | $8K | $48K | 14.22% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS SERVICES | 22 INVERNESS CENTER PARKWAY STE 100 BIRMINGHAM, AL 35242 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 2.35% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 15.85% |
| MINDY M ELLIN3 Filed as: MINDY M ELLEN | 135 FOX GRAPE LANE ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $991 | — | $991 | 2.33% |
| V C SMITH LLC3 | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $516 | — | $516 | 1.21% |
| JEFFREY M SINTAY3 | 1972 ALCOVA RIDGE LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $337 | — | $337 | 0.79% |
| LEIGH F SEXTON3 | 5300 OAKBROOK PKWY NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $199 | — | $199 | 0.47% |
| CINDY K CORVI3 | 24240 GALLBERRY DR VENICE, FL 34293 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.32% |
| ANGELICA SAMANIEGO3 | 782 N STEELE DR HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.22% |
| WILLIAM M WARDLAW JR3 | 187 S CULVER ST LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.21% |
| PRESTON K STANCIL3 | 4546 DUANE DR BUFORD, GA 30516 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.15% |
| JEFFREY M SINTAY3 | PO BOX 540246 GREENACRES, FL 33454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.12% |
| CAROLINA B GUTIERREZ3 | 140 STERLING RD JASPER, GA 30134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.11% |
| COLLEEN M KIRKLAND3 | 11050 CRABAPPLE RD STE C107 ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.10% |
| THOMAS DEAN BAXTER3 Filed as: THOMAS (DEAN) BAXTER | 500 LANIER AVE W STE 912A FAYETTEVILLE, GA 30214 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.09% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.07% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DR FLOWERY BRANCH, GA 30542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.06% |
| MICHAEL B PETERS3 | 3385 SHOAL CREEK RD MONROE, GA 30656 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.05% |
| DARYL PERRY3 | 1241 WADE GREEN COURT ACWORTH, GA 30102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.05% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN D BYERS | 2477 TITANS LN BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| WILLIAM M WARDLAW JR3 | 187 S CULVER ST LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| BROCK R ANDREA3 | 5120 INDIAN CIRCLE GAINSVILLE, GA 30506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| MILLAN B TERRELL3 | 270 LANTANA DR LOCUST GROVE, GA 30248 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| KEITH ANTHONY KLEINE3 Filed as: KEITH KLEINE | 2216 SPRUCEWOOD D DRIVE ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 350 NORCORSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 301 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $335K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $335K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $335K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $378K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $335K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 301 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 204 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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.