| 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 | $11K | $79K | $90K | 5.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NJ | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $35K | $35K | 2.08% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $106 | — | $106 | 1.28% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $73 | — | $73 | 0.88% |
| RALEIGH WILLIAMS AGENCY INC3 | 108 VININGS DRIVE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.21% |
| RYKMAN INS & FINL LLC3 | 1000 JOHNSON FERRY ROAD SUITE B120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.15% |
| WADE AGENCY LLC3 | 5627 NORTH HENRY BOULEVARD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.13% |
| WILLIAM HAROLD OWENS3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| MICHAEL REID THOMPSON3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $87 | — | $87 | 1.25% |
| JANE A. WHITE3 Filed as: JANE A WHITE | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $37 | — | $37 | 0.53% |
| WADE AGENCY LLC3 | 5627 NORTH HENRY BOULEVARD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.11% |
| WILLIAM HAROLD OWENS3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.10% |
| RYKMAN INS & FINL LLC3 | 106 7TH STREET NORTH SUITE B120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $203 | — | $203 | 4.22% |
| JANE A. WHITE3 Filed as: JANE A WHITE | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 2.62% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GROUP INC | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 1.56% |
| WILLIAM HAROLD OWENS3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.67% |
| RALEIGH WILLIAMS AGENCY INC3 | 108 VININGS DRIVE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.37% |
| RYKMAN INS & FINL LLC3 | 1000 JOHNSON FERRY ROAD SUITE B120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.23% |
| WADE AGENCY LLC3 | 5627 NORTH HENRY BOULEVARD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.23% |
| MICHAEL REID THOMPSON3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GROUP INC | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $81 | — | $81 | 2.59% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $65 | — | $65 | 2.08% |
| RALEIGH WILLIAMS AGENCY INC3 Filed as: RALEIGH WILLIAM AGENCY INC | 108 VININGS DRIVE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $29 | — | $29 | 0.93% |
| JANE A. WHITE3 Filed as: JANE A WHITE | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $18 | — | $18 | 0.58% |
| RYKMAN INS & FINL LLC3 | 1000 JOHNSON FERRY ROAD SUITE B120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $9 | — | $9 | 0.29% |
| MICHAEL REID THOMPSON3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $6 | — | $6 | 0.19% |
| WILLIAM HAROLD OWENS3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $5 | — | $5 | 0.16% |
| MARESSA MOORE INC3 | 106 7TH STREET NORTH MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIEF INSURANCE COMPANY | $4 | — | $4 | 0.13% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | — | $169 | 6.50% |
| JANE A. WHITE3 Filed as: JANE A WHITE | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 2.31% |
| MARESSA MOORE INC3 | 1515 PENNSYLVANIA AVENUE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.38% |
| WILLIAM HAROLD OWENS3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.23% |
| RYKMAN INS & FINL LLC3 | 106 7TH STREET NORTH SUITE B120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.08% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GROUP INC | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $109 | — | $109 | 9.10% |
| WADE AGENCY LLC3 | 5627 NORTH HENRY BOULEVARD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 3.92% |
| WILLIAM HAROLD OWENS3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.33% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GROUP INC | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 6.34% |
| WADE AGENCY LLC3 | 5627 NORTH HENRY BOULEVARD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 2.68% |
| WILLIAM HAROLD OWENS3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.37% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 227 | $1.7M |
| Life insurance(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 19 | $15K |
| Other(7 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 19 | $28K |
| 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.