| 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 | $13K | $83K | $96K | 5.39% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS (NJ) | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $38K | $38K | 2.11% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 1.12% |
| BENEFIT SPECILISTS GRP INC3 | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $60 | — | $60 | 0.85% |
| RALEIGH WILLIAMS AGENCY INC3 | 108 VININGS DRIVE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.18% |
| WADE AGENCY LLC3 | 5627 NORTH HENRY BOULEVARD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.14% |
| WILLIAM HAROLD OWENS3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| 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 | $81 | — | $81 | 1.26% |
| JANE A. WHITE3 Filed as: JANE A WHITE | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.76% |
| WADE AGENCY LLC3 | 5627 NORTH HENRY BOULEVARD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.22% |
| WILLIAM HAROLD OWENS3 Filed as: WILLIAM HAROLD OWNES | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.16% |
| JANE A. WHITE3 Filed as: JANE A WHITE | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $188 | — | $188 | 4.77% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $163 | — | $163 | 4.13% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 1.17% |
| MARESSA MOORE INC3 | 1515 PENNSYLVANIA AVENUE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.79% |
| WILLIAM HAROLD OWENS3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.79% |
| RALEIGH WILLIAMS AGENCY INC3 | 108 VININGS DRIVE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.41% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.08% |
| MICHAEL REID THOMPSON3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.08% |
| JANE A. WHITE3 Filed as: JANE A WHITE | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $353 | — | $353 | 9.48% |
| MARESSA MOORE INC3 | 1515 PENNSYLVANIA AVENUE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $110 | — | $110 | 2.95% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 2.01% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 1.32% |
| WILLIAM HAROLD OWENS3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.83% |
| RALEIGH WILLIAMS AGENCY INC3 | 108 VININGS DRIVE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.73% |
| MICHAEL REID THOMPSON3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.13% |
| WILLIAM HAROLD OWENS3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.08% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $158 | — | $158 | 6.49% |
| JANE A. WHITE3 Filed as: JANE A WHITE | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $66 | — | $66 | 2.71% |
| MARESSA MOORE INC3 | 1515 PENNSYLVANIA AVENUE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.49% |
| WILLIAM HAROLD OWENS3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.25% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $100 | — | $100 | 9.05% |
| WADE AGENCY LLC3 | 5627 NORTH HENRY BOULEVARD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 3.89% |
| WILLIAM HAROLD OWENS3 Filed as: WILLIAM HAROLD OWNES | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.36% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 6.35% |
| WADE AGENCY LLC3 | 5627 NORTH HENRY BOULEVARD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 2.65% |
| WILLIAM HAROLD OWENS3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.40% |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 226 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 226 | $1.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 226 | $1.8M |
| Life insurance(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 17 | $14K |
| Other(7 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 17 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.