| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON AND HARDIN INC | 1408 W 3RD AVE ALBANY, GA 31707 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $3K | $18K | 18.26% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN INC | 1408 W 3RD AVE ALBANY, GA 31702 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $12K | 18.25% |
| JOHN WILSON3 | 721 EMERSON, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.67% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN INC | 1408 W THIRD AVE ALBANY, GA 31702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $880 | $0 | $880 | 1.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3280 PEACHTREE ROAD NE SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $733 | $0 | $733 | 1.38% |
| ANGELA HUGHES3 | 721 EMERSON, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $496 | $0 | $496 | 0.93% |
| JEREMY GEISLER INC3 Filed as: JEREMY GEISLER | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $482 | $0 | $482 | 0.91% |
| JACQUELINE G KINDERMAN3 Filed as: JACQUELINE KINDERMAN | 425 MAIN STREET BROOKVILLE, PA 15825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $382 | $0 | $382 | 0.72% |
| LYNN WARDLAW3 | 187 SOUTH CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $382 | $0 | $382 | 0.72% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | $0 | $280 | 0.53% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE CT WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | $0 | $90 | 0.17% |
| MELISSA JONES AND ASSOCIATES LLC3 Filed as: MELISSA JONES AND ASSOCIATES | 103 PENNANT DRIVE WASHINGTON, MO 63090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | $0 | $68 | 0.13% |
| MICHAEL B PETERS3 | 3385 SHOAL CREEK ROAD MONROE, GA 30656 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | $0 | $60 | 0.11% |
| SANDRA L SIEBERT3 | 6070 TANGLETREE DRIVE ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | $0 | $60 | 0.11% |
| LAURIE S WEBER3 | 2200 ANNISTON DRIVE WASHINGTON, MA 63090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.10% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.10% |
| FLJ INC3 | 1600 HERITAGE LANDING STE 115 ST CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 0.09% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW | 187 CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.06% |
| JEFFREY M SATTERLEE3 | 6565 AMERICAS PKWY SUITE 115 ALBUQUERQUE, NC 87110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.06% |
| BRENDAN N DUSHA3 | 4155 SHENANDOAH AVE SAINT LOUIS, MO 63110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.04% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.03% |
| ALEXANDER I MIRO3 Filed as: ALEXANDER MIRO | 3406 KEENES EDGE COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | 721 EMERSON, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| JOANNA D VIDAKIS3 | 9032 WHITEHAVEN DRIVE ST LOUIS, MO 63123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| VANDEEGRIFF INC3 | 1600 HERITAGE LANDING SUTIE 115 SAINT CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| NATHAN L HARRISON3 | 16024 MANCHESTER ROAD ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| JOHN A BACON3 | 11630 W 158TH TERRACE OAKLAND PARK, KS 66221 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JOHN MYERS3 | 16024 MANCHESTER RD ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON AND HARDIN INC | 1408 W 3RD AVE ALBANY, GA 31707 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $1K | $8K | 18.05% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN, INC. | 1408 W 3RD AVE ALBANY, GA 31707 | EYEMED | $3K | $0 | $3K | 10.76% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON AND HARDIN INC | 1408 W 3RD AVE ALBANY, GA 31707 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $587 | $239 | $826 | 21.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIMS RELATED SERVICES | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $217K |
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 | 400 | 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) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 475 | $548K |
| Vision | EYEMED | 422 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 372 | $99K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 372 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $63K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 475 | $548K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 475 | $548K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 195 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.