| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES,INC. | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | DELTA DENTAL INSURANCE COMPANY | $70K | $0 | $70K | 12.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $64K | $0 | $64K | 17.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLOOR ITASCA, IL 60143 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40K | $0 | $40K | 10.87% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.05% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1120 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY LIFE INSURANCE COMPANY | $580 | $0 | $580 | 0.74% |
| JAMES W. CRUMP4 | PO BOX 922 LAGRANGE, GA 30241 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 20.21% |
| ROBERT BARTHOLOMEW4 | 28 WOODSHIRE NEWNAN, GA 30265 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $804 | $0 | $804 | 11.16% |
| HARVARD BENEFITS, INC.4 Filed as: HARVARD BENEFITS INC. | 4660 MIRANDY ROAD COOKEVILLE, TN 38506 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $88 | $0 | $88 | 1.22% |
| GAYLE A. ROSS4 | 2611 HIGH STREET LOGANSPORT, IN 46947 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $31 | $0 | $31 | 0.43% |
| GEORGE C. AYERS4 | 2363 WELTON PLACE DUNWOODY, GA 30338 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $14 | $0 | $14 | 0.19% |
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 | 828 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 846 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 1,553 | $580K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY LIFE INSURANCE COMPANY | 1,109 | $78K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 828 | $368K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 828 | $368K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 828 | $368K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,145 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,145 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.