| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOULTON AND HARDIN, INC.3 | 1408 WEST 3RD AVENUE ALBANY, GA 31707 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $0 | $27K | 15.00% |
| BRIAN D ELY3 Filed as: BRIAN D. ELY | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 27.42% |
| MOULTON AND HARDIN, INC.3 | 1408 WEST 3RD AVENUE ALBANY, GA 31707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 24.80% |
| MJ INSURANCE3 Filed as: SANDRA L SIEBERT AND VARIOUS AGENTS | 6070 TANGLETREE DRIVE ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | $0 | $64 | 0.16% |
| LYNN WARDLAW3 | 187 SOUTH CULVER STREET LAWRENCE VILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.09% |
| JOHN WILSON3 Filed as: JOHN CODY WILSON | 721 EMERSON, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.09% |
| ANGELA HUGHES3 Filed as: ANGELA M. HUGHES | 721 EMERSON ROAD, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.09% |
| FLJ INC3 | 1600 HERITAGE LANDING, SUITE 115 SAINT CHARLES, MO 63303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.04% |
| MOULTON AND HARDIN, INC.3 | 1408 WEST 3RD AVENUE ALBANY, GA 31707 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 12.60% |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 368 | $129K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 626 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 368 | $177K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 368 | $177K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 368 | $177K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 368 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.