| 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 | $11K | $79K | $90K | 5.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA | — | $35K | $35K | 2.08% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $124 | — | $124 | 1.36% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GROUP | 106 7TH ST N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.80% |
| RYKMAN INS & FINL LLC3 | 1000 JOHNSON FERRY RD STE B 120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.25% |
| JANE WHITE3 | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.20% |
| WILLIAMS RALEIGH3 | 108 VININGS DR MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.19% |
| WADE AGENCY LLC3 | 5627 N HENRY BLVD STE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.12% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.08% |
| THOMPSON MICHAEL REID3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $83 | — | $83 | 1.19% |
| JANE WHITE3 | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.52% |
| WADE AGENCY LLC3 | 5627 N HENRY BLVD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.11% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.10% |
| RYKMAN INS & FINL LLC3 | 1000 JOHNSON FERRY RD STE B 120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $211 | — | $211 | 3.49% |
| JANE WHITE3 | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $180 | — | $180 | 2.98% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GROUP | 106 7TH ST N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 1.31% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.73% |
| RYKMAN INS & FINL LLC3 | 1000 JOHNSON FERRY RD STE B120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.71% |
| WILLIAMS RALEIGH3 | 108 VININGS DR MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.30% |
| WADE AGENCY LLC3 | 5627 N HENRY BLVD STE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.20% |
| THOMPSON MICHAEL REID3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.07% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $109 | — | $109 | 2.92% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GROUP | 106 7TH ST N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $92 | — | $92 | 2.47% |
| RYKMAN INS & FINL LLC3 | 1000 JOHNSON FERRY RD STE B 120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $39 | — | $39 | 1.05% |
| WILLIAMS RALEIGH3 | 108 VININGS DR MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $29 | — | $29 | 0.78% |
| THOMPSON MICHAEL REID3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $6 | — | $6 | 0.16% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $3 | — | $3 | 0.08% |
| MARESSA MOORE INC3 | 1515 PENNSYLVANIA AVE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $2 | — | $2 | 0.05% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $194 | — | $194 | 6.84% |
| JANE WHITE3 | 106 7TH STREET N CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.70% |
| RYKMAN INS & FINL LLC3 Filed as: RYKMAN INS & FINL | 1000 JOHNSON FERRY RD STE B 120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.35% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.11% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GROUP | 106 7TH ST N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 9.10% |
| WADE AGENCY LLC3 | 5627 N HENRY BLVD STE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 3.92% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.33% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GROUP | 106 7TH ST N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 6.25% |
| WADE AGENCY LLC3 | 5627 N HENRY BLVD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 2.59% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.35% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 227 | $1.7M |
| Dental | CIGNA | 227 | $1.7M |
| Vision | CIGNA | 227 | $1.7M |
| Other(7 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 20 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.