| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIA GROUP INC3 Filed as: SIA INSURANCE & FINANCIAL SERVICES | 370 RACETRACK ROAD MCDONOUGH, GA 30252 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $93K | $107K | 5.73% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS (NJ) | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $39K | $39K | 2.11% |
| WHITE JANE A3 | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $203 | — | $203 | 1.62% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $164 | — | $164 | 1.31% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH ST N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $104 | — | $104 | 0.83% |
| RYKMAN INS & FINL LLC3 | 1000 JOHNSON FERRY RD STE B120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.34% |
| WILLIAMS RALEIGH3 | 108 VININGS DR MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.22% |
| OWENS WILLIAM HAROLD3 | P.O. BOX 997 CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.14% |
| WADE AGENCY LLC3 | 5627 N HENRY BLVD STE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.13% |
| OWENS WILLIAM HAROLD3 | ATTN ANGIE JACOBS P.O. BOX 997 CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| THOMPSON MICHAEL REID3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| WHITE JANE A3 | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $263 | — | $263 | 3.14% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $261 | — | $261 | 3.12% |
| BENEFIT SPECIALIST GRP INC3 | 106 7TH ST N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 1.54% |
| OWENS WILLIAM HAROLD3 | P.O. BOX 997 CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 0.67% |
| RYKMAN INS & FINL LLC3 | 1000 JOHNSON FERRY RD STE B120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.65% |
| WADE AGENCY LLC3 | 5627 N HENRY BLVD STE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.27% |
| WILLIAMS RALEIGH3 | 108 VININGS DR MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.23% |
| OWENS WILLIAM HAROLD3 | ATTEN ANGIE JACOBS CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.11% |
| THOMPSON MICHAEL REID3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| MARESSA MOORE INC3 | 1515 PENNSYLVANIA AVE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 1.04% |
| WHITE JANE A3 | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.49% |
| RYKMAN INS & FINL LLC3 | 1000 JOHNSON FERRY RD STE B120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.22% |
| OWENS WILLIAM HAROLD3 | P.O. BOX 997 CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| WADE AGENCY LLC3 | 5627 N HENRY BLVD STE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.10% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH ST N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $298 | — | $298 | 4.65% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $168 | — | $168 | 2.62% |
| RYKMAN INS & FINL LLC3 | 1000 JOHNSON FERRY RD STE B120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $81 | — | $81 | 1.27% |
| WILLLIAMS RALEIGH3 | 108 VININGS DR MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.48% |
| MARESSA MOORE INC3 | 1515 PENNSYLVANIA AVE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 0.37% |
| WADE AGENCY LLC3 | 5627 N HENRY BLVD STE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.36% |
| OWENS WILLIAM HAROLD3 | ATTEN ANGIE JACOBS P.O. BOX 997 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.17% |
| THOMPSON MICHAEL REID3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.09% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $263 | — | $263 | 6.69% |
| RYKMAN INS & FINL LLC3 | 1000 JOHNSON FERRY RD STE B120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.94% |
| WHITE JANE A3 | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.53% |
| OWENS WILLIAM HAROLD3 | P.O. BOX 997 CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.08% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH ST N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | — | $117 | 9.07% |
| WADE AGENCY LLC3 | 5627 N HENRY BLVD STE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 3.88% |
| OWNES WILLIAM HAROLD3 | ATTN ANGIE JACOBS P.O. BOX 997 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.31% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH ST N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $80 | — | $80 | 6.27% |
| WADE AGENCY LLC3 | 5627 N HENRY BLVD STE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 1.88% |
| MARESSA MOORE INC3 | 1515 PENNSYLVANIA AVE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.31% |
| OWENS WILLIAM HAROLD3 | ATTEN ANGIE JACOBS P.O. BOX 997 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.31% |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $1.9M |
| Life insurance(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 25 | $20K |
| Other(5 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 17 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.