| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1040 CROWN POINTE PARKWAY SUITE 700 ATLANTA, GA 30338 | DELTA DENTAL INSURANCE COMPANY | $28K | — | $28K | 5.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | DELTA DENTAL INSURANCE COMPANY | $17K | — | $17K | 3.43% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | — | $41K | 13.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1040 CROWN POINTE PARKWAY SUITE 700 ATLANTA, GA 30338 | EYEMED VISION CARE | $4K | — | $4K | 7.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | EYEMED VISION CARE | $2K | — | $2K | 2.85% |
| JAMES W. CRUMP4 | PO BOX 922 LAGRANGE, GA 30241 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHEILD | $1K | — | $1K | 23.80% |
| ROBERT BARTHOLOMEW4 | 28 WOOSHIRE NEWNAN, GA 30265 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHEILD | $904 | — | $904 | 19.52% |
| GAYLE A. ROSS4 | 2611 HIGH STREET LOGANSPORT, IN 46947 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHEILD | $122 | — | $122 | 2.63% |
| GEORGE C. AYERS4 | 2363 WELTON PLACE DUNWOODY, GA 30338 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHEILD | $14 | — | $14 | 0.30% |
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 | 638 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,117 | $497K |
| Vision | EYEMED VISION CARE | 909 | $61K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 638 | $302K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 638 | $302K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 638 | $302K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 638 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,117 | — |
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.