| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANDMARK BENEFITS INC3 Filed as: LANDMARK INSURANCE LLC | 11 BUFORD VILLAGE WAY SUITE 113 BUFORD, GA 30518 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 11.89% |
| LONNIE R VOGLER3 | 5388 EAST MOUNTAIN STREET STONE MOUNTAIN, GA 30083 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 2.50% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 11 BUFORD VILLAGE WAY SUITE 113 BUFORD, GA 30519 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | — | $20K | 8.27% |
| LANDMARK INSURANCE ASSOCIATES3 Filed as: LANDMARK BENEFIT SPECIALISTS | 2822 NETTLE LANES BUFORD, GA 30519 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 1.63% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK INSURANCE LLC | 11 BUFORD VILLAGE WAY SUITE 113 BUFORD, GA 30518 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 15.25% |
| LONNIE R VOGLER3 | 5388 EAST MOUNTAIN STREET STONE MOUNTAIN, GA 30083 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.50% |
| LANDMARK INSURANCE ASSOCIATES3 Filed as: LANDMARK INSURNACE LLC | 11 BUFORD VILLAGE WAY SUITE 113 BUFORD, GA 30518 | STARMOUNT LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| LONNIE R VOGLER3 | 5388 EAST MOUNTAIN STREET STONE MOUNTAIN, GA 30083 | STARMOUNT LIFE INSURANCE COMPANY | — | $804 | $804 | 2.50% |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 263 | $242K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 263 | $32K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $350K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $272K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $272K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 276 | $350K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.