| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INS AGENCY, LLC | UNKNOWN LA GRANGE, GA 30240 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 13.72% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN ASSOCIATES, LLC | UNKNOWN ALBANY, NY 12204 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $20K | $20K | 8.30% |
| A2 HOLDINGS, LLC3 | UNKNOWN ATLANTA, GA 30318 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $5K | $8K | 3.15% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY, LLC | PO BOX 1049 LAGRANGE, GA 30241 | DELTA DENTAL OF ILLINOIS | $12K | $0 | $12K | 6.40% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INS AGENCY, LLC | UNKNOWN LA GRANGE, GA 30240 | VISION SERVICE PLAN | $4K | $0 | $4K | 8.70% |
| A2 HOLDINGS, LLC3 | 887 W MARIETTA ST NW, STE N-108 ATLANTA, GA 30318 | VISION SERVICE PLAN | $768 | $0 | $768 | 1.77% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY, LLC | PO BOX 1049 LAGRANGE, GA 30241 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | $0 | $30K | 84.36% |
| A2 HOLDINGS, LLC3 | 887 W MARIETTA ST NW N-108 ATLANTA, GA 30318 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 6.72% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INS AGENCY, LLC | 215 PENDLETON STREET, STE 217 WAYCROSS, GA 31501 | AETNA INTERNATIONAL | $150 | $0 | $150 | 15.00% |
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 | 376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 309 | $193K |
| Vision | VISION SERVICE PLAN | 282 | $43K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 413 | $242K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 413 | $242K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 413 | $242K |
| Other(4 contracts, 4 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 413 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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."
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.