| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOULTON AND HARDING INC3 Filed as: MOULTON LANE AND HARDIN INC. | 1408 WEST THIRD AVENUE ALBANY, GA 31702 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | $2K | $43K | 12.77% |
| MOULTON AND HARDIN, INC.3 | 1408 WEST THIRD AVENUE ALBANY, GA 31702 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.83% |
| BRIAN D ELY3 Filed as: BRIAN D. ELY | 1820 THE EXCHANGE, SUITE 750 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.52% |
| JACQUELINE KINDERMAN & OTHER AGENTS3 | 425 MAIN STREET BROOKVILLE, PA 15825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | $0 | $135 | 0.34% |
| JOHN WILSON3 Filed as: JOHN CODY WILSON | 721 EMERSON ROAD, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $131 | $0 | $131 | 0.33% |
| ANGELA HUGHES3 Filed as: ANGELA M. HUGHES | 721 EMERSON ROAD, SUITE 500 SAINT LOUIS, MO 63141 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | $0 | $60 | 0.15% |
| JEREMY GEISLER INC3 Filed as: JEREMY GEISLER, INC. | 1795 CLARKSON ROAD, SUITE 301 CHESTERFIELD, MO 63017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.10% |
| LYNN WARDLAW3 | 187 SOUTH CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.07% |
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 | 328 | 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) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 328 | $335K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 328 | $335K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 328 | $335K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 328 | $335K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 328 | $335K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 328 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.