| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION HEALTH CONSULTANTS, LLC3 | 507 OCEAN BOULEVARD, SUITE 204 SAINT SIMONS ISLAND, GA 31522 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | $0 | $48K | 9.98% |
| FOUNDATION HEALTH CONSULTANTS, LLC3 | 507 OCEAN BOULEVARD, SUITE 204 SAINT SIMONS ISLAND, GA 31522 | UNUM INSURANCE COMPANY | $15K | $0 | $15K | 11.22% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HOLLY J. BROWN-OVERDYKE | 860 JOHNSON FERRY ROAD ATLANTA, GA 30342 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 2.50% |
| ALLIANT INSURANCE SERVICES, INC.4 Filed as: ALLIANT INSURANCE SERVICES | 1120 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | UNUM INSURANCE COMPANY | $279 | $37 | $316 | 0.24% |
| FOUNDATION HEALTH CONSULTANTS, LLC3 | 507 OCEAN BOULEVARD, SUITE 204 SAINT SIMONS ISLAND, GA 31522 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $11K | $0 | $11K | 10.86% |
| THE BEROUNSKY GROUP INC3 Filed as: THE BEROUNSKY GROUP, INC. | 5051 WINDING HILL LANE WOODSTOCK, GA 30189 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 7.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HOLLY J. BROWN-OVERDYKE | 1226 DUNWOODY LANE, SUITE 250 BROOKHAVEN, GA 30319 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.35% |
| VBW INSURANCE SERVICES, INC3 Filed as: VBW INSURANCE SERVICES, INC. | 2121 NEWMARKET PARKWAY, SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.64% |
| ROBERT BARTHOLOMEW4 | 194 WILLOWLEAF WAY SHARPSBURG, GA 30277 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 6.85% |
| NANCY CRUMP4 Filed as: NANCY CRUM | PO BOX 922 LANGRANGE, GA 30241 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $468 | $0 | $468 | 2.99% |
| ALLIANT INSURANCE SERVICES, INC.4 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $431 | $0 | $431 | 2.75% |
| HARVARD BENEFITS, INC.4 | 4660 MIRANDY ROAD COOKEVILLE, TN 38506 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $35 | $0 | $35 | 0.22% |
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 | 833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,160 | $99K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,012 | $568K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,012 | $478K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,012 | $478K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,012 | $628K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,160 | — |
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.