| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 15.22% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.27% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.64% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.70% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY SUITE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.61% |
| SIA INS & FINANCIAL SVCS LLC3 | 370 RACETRACK ROAD MCDONOUGH, GA 30252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.26% |
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $8K | 11.92% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.63% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.93% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.70% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY SUITE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $823 | — | $823 | 1.21% |
| SIA INS & FINANCIAL SVCS LLC3 | 370 RACETRACK ROAD MCDONOUGH, GA 30252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $640 | — | $640 | 0.94% |
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $828 | $4K | 11.94% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.64% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.94% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $621 | $621 | 1.71% |
| DIGITAL INSURANCE LLC3 | 300 GALLERIA PARKWAY SUITE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $439 | — | $439 | 1.21% |
| SIA INS & FINANCIAL SVCS LLC3 | 370 RACETRACK ROAD MCDONOUGH, GA 30252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $340 | — | $340 | 0.94% |
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $777 | $5K | 15.27% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.28% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.66% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $582 | $582 | 1.72% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 300 GALLERIA PARKWAY SUITE 1100 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $546 | — | $546 | 1.61% |
| SIA INS & FINANCIAL SVCS LLC3 | 370 RACETRACK ROAD MCDONOUGH, GA 30252 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $426 | — | $426 | 1.26% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $511 | — | $511 | 2.26% |
| WHITE JANE A3 | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $363 | — | $363 | 1.61% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $139 | — | $139 | 0.62% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $67 | — | $67 | 0.30% |
| OWENS WILLIAM HAROLD3 | ATTEN ANGIE JACOBS PO BOX 1002 CORDELLE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| THOMPSON MICHAEL REID3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 315 EAST ROBINSON STREET SUITE 325 ORLANDO, FL 32801 | UNUM INSURANCE COMPANY | $9K | — | $9K | 49.13% |
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | UNUM INSURANCE COMPANY | $1K | $37 | $1K | 5.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 300 GALLERIA PARKWAY SUITE 1100 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | — | $840 | $840 | 4.47% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 315 EAST ROBINSON STREET SUITE 325 ORLANDO, FL 32801 | UNUM INSURANCE COMPANY | $11K | — | $11K | 62.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 300 GALLERIA PARKWAY SUITE 1100 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | — | $817 | $817 | 4.78% |
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | UNUM INSURANCE COMPANY | $753 | $28 | $781 | 4.57% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 315 EAST ROBINSON STREET SUITE 325 ORLANDO, FL 32801 | UNUM INSURANCE COMPANY | $8K | — | $8K | 49.62% |
| BIA BENEFITS CONSULTING LLC3 | 823 CHICKAMAUGA AVENUE ROSSVILLE, GA 30741 | UNUM INSURANCE COMPANY | $1K | $52 | $1K | 8.41% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 300 GALLERIA PARKWAY SUITE 1100 ATLANTA, GA 30339 | UNUM INSURANCE COMPANY | — | $797 | $797 | 4.95% |
| GIS BENEFITS INC4 | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 12.85% |
| DIGITAL INSURANCE LLC4 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $558 | — | $558 | 4.28% |
| ROB VEST4 | 280 BLUE BEND ROAD ROCKY MOUNT, VA 24151 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $503 | — | $503 | 3.86% |
| OAKBRIDGE INSURANCE AGENCY, LLC4 Filed as: OAKBRIDGE INSURANCVE AGENCY LLC | 200 BROAD STREET LAGRANGE, GA 30240 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $194 | — | $194 | 1.49% |
| LATASHA HOLLOWAY4 | 729 GRESHAM ROAD ZEBULON, GA 30295 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $35 | — | $35 | 0.27% |
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 | 524 | 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) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $56K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $91K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $59K |
| Other(7 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 572 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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.