| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION HEALTH CONSULTANTS, LLC3 | 507 OCEAN BLVD STE 204 SAINT SIMONS ISLAND, GA 31522 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 9.28% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS HOUSTON LLC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.72% |
| FOUNDATION HEALTH CONSULTANTS, LLC3 | 507 OCEAN BLVD STE 204 SAINT SIMONS ISLAND, GA 31522 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 9.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS HOUSTON LLC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.74% |
| FOUNDATION HEALTH CONSULTANTS, LLC3 | 507 OCEAN BLVD STE 204, SUITE 204 SAINT SIMONS ISLAND, GA 31522 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 9.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS HOUSTON LLC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $870 | — | $870 | 0.71% |
| FOUNDATION HEALTH CONSULTANTS, LLC3 | 507 OCEAN BLVD, SUITE 204 SAINT SIMONS ISLAND, GA 31522 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $8K | — | $8K | 8.30% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES LLC | 1125 SANCTUARY PARKWAY SUITE 300 ALPHARETTA, GA 30009 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 1.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-OVERDYKE, HOLLY J | 1226 DUNWOODY LANE STE 250 BROOKHAVEN, GA 30319 | TRANSAMERICA LIFE INSURANCE COMPANY | $30K | — | $30K | 34.68% |
| THE BEROUNSKY GROUP INC3 | 5051 WINDING HILL LANE WOODSTOCK, GA 30189 | TRANSAMERICA LIFE INSURANCE COMPANY | $27K | — | $27K | 30.34% |
| VOLUNTARY BENEFITS AT WORK3 | 2121 NEWMARKET PKWY SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $19K | — | $19K | 21.81% |
| FOUNDATION HEALTH CONSULTANTS, LLC3 | 507 OCEAN BLVD STE 204 SAINT SIMONS ISLAND, GA 31522 | UNUM INSURANCE COMPANY | $6K | — | $6K | 10.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-OVERDYKE, HOLLY J | 860 JOHNSON FERRY RD STE 140-312 ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $3K | — | $3K | 5.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY ALPHARETTA, GA 30009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.08% |
| FOUNDATION HEALTH CONSULTANTS, LLC3 | 507 OCEAN BLVD STE 204 SAINT SIMONS ISLAND, GA 31522 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN-OVERDYKE, HOLLY, | 860 JOHNSON FERRY RD STE 140-312 ATLANTA, GA 30342 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.53% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 18100 VON KARMAN AVE 10TH FLOOR IRVINE, CA 92612 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $576 | $576 | 1.15% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINSTRATION | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $499 | — | $499 | 1.00% |
| FOUNDATION HEALTH CONSULTANTS, LLC3 | 507 OCEAN BLVD STE 204 SAINT SIMONS ISLAND, GA 31522 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 9.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SVCS HOUSTON LLC | 1125 SANCTUARY PKWY STE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $362 | — | $362 | 0.74% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINSTRATION | PO BOX 1313 ORLANDO, FL 32802 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | — | $20K | 100.08% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PKWY STE 300 STE 300 ALPHARETTA, GA 30009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $711 | — | $711 | 3.60% |
| ROBERT BARTHOLOMEW4 | 194 WILLOWLEAF WAY SHARPSBURG, GA 30277 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $1K | — | $1K | 7.10% |
| NANCY CRUMP4 | PO BOX 922 LAGRANGE, GA 30241 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $669 | — | $669 | 3.84% |
| ALLIANT INSURANCE SERVICES, INC.4 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $257 | — | $257 | 1.47% |
| HARVARD BENEFITS, INC.4 Filed as: HARVARD BENEFITS INC | 4660 MIRANDY RD COOKEVILLE, TN 38506 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $42 | — | $42 | 0.24% |
| THE BEROUNSKY GROUP INC3 | 5051 WINDINGS HILL LANE WOODSTOCK, GA 30189 | ALLSTATE BENEFITS | $3K | — | $3K | 76.64% |
| LANCASTER TONYA3 | 2121 NEWMARKET PKWY SUITE 100 MARIETTA, GA 30067 | ALLSTATE BENEFITS | $773 | — | $773 | 19.19% |
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 | 853 | 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) | 853 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 853 | $260K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 853 | $198K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 853 | $206K |
| Other(3 contracts, 3 carriers) | UNUM INSURANCE COMPANY | 187 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,166 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.