| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | GREATER GEORGIA LIFE INSURANCE COMPANY | $26K | $7K | $33K | 23.07% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 6087 HUNTSVILLE, AL 35824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $33 | $2K | 6.29% |
| DAVID E. FOX3 | 363 BELMONTE DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $524 | $147 | $671 | 1.81% |
| JENNINGS P. CHESTER3 | 1433 EBERHART AVE COLUMBUS, GA 31906 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $498 | $47 | $545 | 1.47% |
| PJ SKELTON LLC3 | 1580 CLUB CREEK DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $245 | $458 | 1.24% |
| JOSEPH DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | — | $325 | 0.88% |
| AMY SMITH FOX3 | 363 BELMONTE DR AUBURN, AL 36830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | $20 | $313 | 0.84% |
| BARDEN AND ASSOCIATES LLC3 Filed as: BARDEN & ASSOCIATES LLC | 344 KARIS DR DADEVILLE, AL 36853 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $46 | $259 | 0.70% |
| ENROLLMENT ALLIANCE LLC3 | 7511 BURLINGTON AVE N ST. PETERSBURG, FL 33710 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $37 | $62 | 0.17% |
| CHOICE BENEFITS SOLUTIONS LLC3 | 6441 3RD PALM POINTE ST ST. PETERSBURG BEACH, FL 33706 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $32 | $57 | 0.15% |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 228 | $144K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 228 | $144K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 228 | $144K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 70 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.