| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIA GROUP INC3 Filed as: SIA INSURANCE & FINANCIAL SERVICES | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $155K | — | $155K | 30.97% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | — | $90 | 1.19% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.52% |
| RALEIGH WILLIAMS AGENCY INC3 | 108 VININGS DRIVE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.12% |
| WADE AGENCY LLC3 | 5627 NORTH HENRY BOULEVARD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.08% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 ATTEN ANGIE JACOBS CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| THOMPSON MICHAEL REID3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 1.24% |
| WHITE JANE A3 | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.52% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.11% |
| WADE AGENCY LLC3 | 5627 NORTH HENRY BOULEVARD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.11% |
| WHITE JANE A3 | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $316 | — | $316 | 6.28% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $191 | — | $191 | 3.80% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 1.07% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.95% |
| RALEIGH WILLIAMS AGENCY INC3 | 108 VININGS DRIVE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.38% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 ATTEN ANGIE JACOBS CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| THOMPSON MICHAEL REID3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.08% |
| WHITE JANE A3 | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $385 | — | $385 | 8.42% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 1.27% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.79% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.77% |
| RALEIGH WILLIAMS AGENCY INC3 | 108 VININGS DRIVE MCDONOUGH, GA 30253 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.28% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 ATTEN ANGIE JACOBS CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| THOMPSON MICHAEL REID3 | 7 HIGHLAND PARK LANE ATLANTA, GA 30306 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.07% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $306 | — | $306 | 9.21% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $184 | — | $184 | 5.54% |
| WHITE JANE A3 | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.63% |
| OWENS WILLIAM HAROLD3 Filed as: OWENS WILLIAMS HAROLD | PO BOX 1002 ATTEN ANGIE JACOBS CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.21% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.09% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | — | $117 | 9.07% |
| WADE AGENCY LLC3 | 5627 NORTH HENRY BOULEVARD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $50 | — | $50 | 3.88% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 ATTEN ANGIE JACOBS CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.39% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET NORTH SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $56 | — | $56 | 6.34% |
| WADE AGENCY LLC3 | 5627 NORTH HENRY BOULEVARD SUITE 102 STOCKBRIDGE, GA 30281 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $24 | — | $24 | 2.72% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 ATTN ANGIE JACOBS CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.34% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 59 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 323 | $500K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 323 | $500K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 323 | $500K |
| Life insurance(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 16 | $15K |
| Other(7 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 16 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.