| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY INC | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $0 | $33K | 5.14% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP INC - GEORGIA | 4720 PEACHTREE INDUSTRIAL BLVD SUITE 5201 BERKELEY LAKE, GA 30071 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.22% |
| BURNETTE INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | GUARDIAN | $9K | $0 | $9K | 11.00% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FL COLUMBIA, SC 29201 | GUARDIAN | $2K | $0 | $2K | 1.80% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS, INC. | ONE RAVINIA DR #1750 ATLANTA, GA 30346 | GUARDIAN | $187 | $0 | $187 | 0.22% |
| ANDREW DAVID KOWN3 | 6130 RIVER SHORE PARKWAY ATLANTA, GA 30328 | AFLAC | $193 | $36 | $229 | 5.54% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY, INC. | 3447 LAWRENCEVILLE SUWANEE ROAD SUWANEE, GA 30024 | AFLAC | $148 | $0 | $148 | 3.58% |
| FRAN C HARGARTEN III3 Filed as: FRAN C. HARGARTEN III | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | AFLAC | $109 | $6 | $115 | 2.78% |
| JOHN P KOWN II3 Filed as: JOHN P. KNOWN II | 430 DAVIS CARNES LANE NW MARIETTA, GA 30064 | AFLAC | $29 | $0 | $29 | 0.70% |
| HENRY G HIGGISON3 Filed as: HENRY G. HIGGISON | 1832 MEREDITH DRIVE NW ATLANTA, GA 30318 | AFLAC | $24 | $0 | $24 | 0.58% |
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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 92 | $650K |
| Dental | GUARDIAN | 136 | $85K |
| Vision | GUARDIAN | 136 | $85K |
| Life insurance | GUARDIAN | 136 | $85K |
| Short-term disability | AFLAC | 3 | $4K |
| Long-term disability | GUARDIAN | 136 | $85K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 92 | $650K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 136 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.