| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUTCHINSON-TRAYLOR AGENCY3 Filed as: HUTCHINSON-TRAYLOR INSURANCE | PO BOX 1049 LAGRANGE, GA 30240 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $19K | $0 | $19K | 5.00% |
| HUTCHINSON-TRAYLOR AGENCY3 Filed as: HUTCHINSON-TRAYLOR | PO BOX 1049 LAGRANGE, GA 302410019 | STANDARD INSURANCE COMPANY | $48K | $0 | $48K | 17.15% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 2.04% |
| HUTCHINSON-TRAYLOR AGENCY3 Filed as: HUTCHINSON-TRAYLOR | PO BOX 1049 LAGRANGE, GA 302410019 | STANDARD INSURANCE COMPANY | $22K | $0 | $22K | 11.56% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 SUITE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.70% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $32K | $927 | $33K | 23.19% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $21K | $961 | $22K | 19.47% |
| HUTCHINSON-TRAYLOR AGENCY3 Filed as: HUTCHINSON-TRAYLOR INS AGENCY | PO BOX 1049 LAGRANGE, GA 30240 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $7K | $0 | $7K | 9.52% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | $120 | $2K | 16.89% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC - MULTIPLE PAYEES | 132 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $1K | $0 | $1K | 16.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HCC LIFE INSURANCE COMPANY EIN 58-0970646 STOP LOSS CARRIER | Insurance services Service code 23 | — | $468K |
| HUTCHINSON TRAYLOR INSURANCE AGENCY EIN 58-0297410 BROKER | Insurance agents and brokers Service code 22 | — | $156K |
| PARAGON BENEFITS, INC EIN 58-1741732 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $103K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 PRE-CERTIFICA TION | Insurance services Service code 23 | — | $14K |
| INTERLINK CARE MANAGEMENT INC EIN 45-4672075 DISEASE MANAG EMENT FE | Insurance services Service code 23 | — | $5K |
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 | 574 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 552 | $389K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 486 | $75K |
| Life insurance | STANDARD INSURANCE COMPANY | 574 | $190K |
| Long-term disability | STANDARD INSURANCE COMPANY | 574 | $279K |
| Other(4 contracts) | AFLAC | 152 | $275K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.