| 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 | $12K | $0 | $12K | 15.00% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN INC | 1408 W 3RD AVE ALBANY, GA 31702 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 15.00% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN INC | 1408 W THIRD AVE ALBANY, GA 31702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $673 | $0 | $673 | 1.65% |
| JOHN WILSON3 | 721 EMERSON, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $527 | $0 | $527 | 1.29% |
| ANGELA HUGHES3 | 721 EMERSON, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | $0 | $187 | 0.46% |
| JEREMY GEISLER INC3 Filed as: JEREMY GEISLER | 1795 CLARKSON ROAD SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $184 | $0 | $184 | 0.45% |
| JACQUELINE G KINDERMAN3 Filed as: JACQUELINE KINDERMAN | 425 MAIN STREET BROOKVILLE, PA 15825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | $0 | $142 | 0.35% |
| BRADLEY K HARRISON3 | 210 PRODO DRIVE JEFFERSON CITY, MO 65109 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 0.26% |
| LYNN WARDLAW3 | 187 SOUTH CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | $0 | $88 | 0.22% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | 3280 PEACHTREE ROAD NE SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | $0 | $80 | 0.20% |
| TYSON C FUNK3 | 917 CROWN POINT TERRACE CT WILDWOOD, MO 63021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.08% |
| MELISSA JONES AND ASSOCIATES LLC3 Filed as: MELISSA JONES AND ASSOCIATES | 103 PENNANT DRIVE WASHINGTON, MO 63090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | $0 | $33 | 0.08% |
| LAURIE S WEBER3 | 2200 ANNISTON DRIVE WASHINGTON, MA 63090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.06% |
| AUSTIN J PETERSON3 | 11116 AURORA AVE URBANDALE, IA 50322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.05% |
| MICHAEL B PETERS3 | 3385 SHOAL CREEK ROAD MONROE, GA 30656 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.05% |
| SANDRA L SIEBERT3 | 6070 TANGLETREE DRIVE ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.05% |
| FLJ INC3 | 1600 HERITAGE LANDING STE 115 ST CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.05% |
| JEFFREY M SATTERLEE3 | 6565 AMERICAS PKWY SUITE 115 ALBUQUERQUE, NC 87110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW | 187 CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.03% |
| BRENDAN N DUSHA3 | 4155 SHENANDOAH AVE SAINT LOUIS, MO 63110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.02% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| VANDEEGRIFF INC3 | 1600 HERITAGE LANDING SUTIE 115 SAINT CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| NATHAN L HARRISON3 | 16024 MANCHESTER ROAD SUITE 111 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS CORNERSTONE LLC | 721 EMERSON, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| ALEXANDER I MIRO3 Filed as: ALEXANDER MIRO | 3406 KEENES EDGE COLUMBIA, MO 65201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| JOANNA D VIDAKIS3 | 9032 WHITEHAVEN DRIVE ST LOUIS, MO 63123 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| 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 | $5K | $0 | $5K | 15.00% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON AND HARDIN INC | 1408 W 3RD AVE ALBANY, GA 31707 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 15.00% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON AND HARDIN INC | 1408 W 3RD AVE ALBANY, GA 31707 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN, INC. | 1408 W 3RD AVE ALBANY, GA 31707 | EYEMED | $2K | $0 | $2K | 9.76% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON AND HARDIN INC | 1408 W 3RD AVE ALBANY, GA 31707 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON AND HARDIN INC | 1408 W 3RD AVE ALBANY, GA 31707 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $919 | $0 | $919 | 15.00% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON AND HARDIN INC | 1408 W 3RD AVE ALBANY, GA 31707 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $586 | $0 | $586 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIMS RELATED SERVICES | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $189K |
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 | 274 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 367 | $502K |
| Vision | EYEMED | 302 | $20K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 274 | $108K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 274 | $52K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 111 | $74K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 367 | $502K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 274 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.