| 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 | 5.48% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39K | $9K | $48K | 14.71% |
| 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 | $7K | — | $7K | 2.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: SURANCE CENTER EDGEWOOD PARTNERS IN | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 13.26% |
| MINDY M ELLIN3 Filed as: MINDY M ELLEN | 135 FOX GRAPE LANE ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $937 | — | $937 | 1.96% |
| V C SMITH LLC3 | 6420 FALL BRANCH DR COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $427 | — | $427 | 0.89% |
| JEFFREY M SINTAY3 | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $230 | — | $230 | 0.48% |
| LEIGH F SEXTON3 | 5300 OAKBROOK PKWY NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 0.33% |
| CINDY K CORVI3 | 24240 GALLBERRY DR VENICE, FL 34293 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | — | $122 | 0.26% |
| THOMAS DEAN BAXTER3 Filed as: THOMAS (DEAN) BAXTER | 500 LANIER AVE W STE 912A FAYETTEVILLE, GA 30214 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.18% |
| ANGELICA SAMANIEGO3 | 782 N STEELE DR HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.18% |
| WILLIAM M WARDLAW JR3 | 187 S CULVER ST LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | — | $84 | 0.18% |
| JAMES DAVIS3 Filed as: JAMES E DAVIS | 1506 KLOWNIKE RD SUITE 100 CONYERS, GA 30094 | CONTINENTAL AMERICAN INSURANCE COMPANY | $75 | — | $75 | 0.16% |
| PRESTON K STANCIL3 | 4546 DUANE DR BUFORD, GA 30519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | — | $58 | 0.12% |
| THOMAS J STEPHENSON3 | 31 STADELMAN CT CARTERSVILLE, GA 30120 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.09% |
| CAROLINA B GUTIERREZ3 | 140 STERLING RD JASPER, GA 30134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.09% |
| DARYL PERRY3 | 1241 WADE GREEN COURT ACWORTH, GA 30102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.09% |
| COLLEEN M KIRKLAND3 | 11050 CRABAPPLE RD STE C107 ROSEWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.07% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.05% |
| MICHAEL B PETERS3 | 3385 SHOAL CREEK RD MONROE, GA 30656 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.04% |
| BURNHAM BENEFITS INSURANCE SERVICES3 Filed as: JOHN D BYERS | 2477 TITANS LN BRENTWOOD, TN 37027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.04% |
| JOHN P KOWN II3 | 1275 SHILOH RD NW SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.03% |
| STEVEN KAISER3 Filed as: STEVEN WILLIAM KAISER | 6447 IVY SPRINGS DR FLOWERY BRANCH, GA 30542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| JEFFERY M SINTAY3 | PO BOX 540246 GREENACRES, FL 33454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| WILLIAM M WARDLAW JR3 | 187 S CULVER ST LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.02% |
| BROCK R ANDREA3 | 5120 INDIAN CIRCLE GAINSVILLE, GA 30506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| KEITH ANTHONY KLEINE3 Filed as: KEITH KLEINE | 2216 SPRUCEWOOD DR ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| MILLAN B TERRELL3 | 270 LANTANA DR LOCUST GROVE, GA 30248 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 289 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $329K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $329K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $329K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $329K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $329K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 289 | $1.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.