| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SPECIALIST GRP INC3 | 106 7TH ST N SUITE C CORDELE, GA 31015 | ALLSTATE BENEFITS | $4K | — | $4K | 8.01% |
| WADE AGENCY LLC3 | 5627 N HENRY BLVD STE 102 STOCKBRIDGE, GA 30281 | ALLSTATE BENEFITS | $2K | — | $2K | 3.38% |
| HORACE E GASKINS JR3 Filed as: HORACE E GASKINS JR. | 111 GLEN TRAIL WOODSTOCK, GA 30188 | ALLSTATE BENEFITS | $1K | — | $1K | 2.62% |
| JANE WHITE3 | 106 7TH STREET N SUITE C CORDELE, GA 31015 | ALLSTATE BENEFITS | $875 | — | $875 | 1.67% |
| RYKMAN INS & FINL LLC3 Filed as: RYKMAN INS FINL LLC | 1000 JOHNSON FERRY RD STE B120 MARIETTA, GA 30068 | ALLSTATE BENEFITS | $394 | — | $394 | 0.75% |
| WILLIAM HAROLD OWENS3 | PO BOX 997 CORDELE, GA 31015 | ALLSTATE BENEFITS | $233 | — | $233 | 0.44% |
| RALEIGH WILLIAMS AGENCY INC3 Filed as: RALEIGH WILLIAMS | 108 VININGS DR MCDONOUGH, GA 30253 | ALLSTATE BENEFITS | $175 | — | $175 | 0.33% |
| MICHAEL REID THOMPSON3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | ALLSTATE BENEFITS | $35 | — | $35 | 0.07% |
| BENEFITS SPECIALIST GRP INC3 | 106 7TH ST N SUITE C CORDELE, GA 31015 | ALLSTATE BENEFITS | $174 | — | $174 | 2.18% |
| HORACE E GASKINS JR3 | 111 GLEN TRAIL WOODSTOCK, GA 30188 | ALLSTATE BENEFITS | $75 | — | $75 | 0.94% |
| WADE AGENCY LLC3 | 5627 N HENRY BLVD STE 102 STOCKBRIDGE, GA 30281 | ALLSTATE BENEFITS | $75 | — | $75 | 0.94% |
| RYKMAN INS & FINL LLC3 Filed as: RYKMAN INS FINL LLC | 1000 JOHNSON FERRY RD STE B120 MARIETTA, GA 30068 | ALLSTATE BENEFITS | $52 | — | $52 | 0.65% |
| JANE A. WHITE1 Filed as: JANE A WHITE | 106 7TH STREET N SUITE C CORDELE, GA 31015 | ALLSTATE BENEFITS | $19 | — | $19 | 0.24% |
| WILLIAM HAROLD OWENS3 | PO BOX 997 CORDELE, GA 31015 | ALLSTATE BENEFITS | $9 | — | $9 | 0.11% |
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 | 276 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 276 | $53K |
| Dental | CIGNA | 276 | $0 |
| Vision | CIGNA | 276 | $0 |
| Life insurance(2 contracts) | ALLSTATE BENEFITS | 74 | $60K |
| 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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.