| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VCG CONSULTANTS LLC3 | 999 PEACHTREE ST NE SUITE 1500 ATLANTA, GA 30309 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 0.32% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | AETNA LIFE INSURANCE CO | $4K | — | $4K | 0.27% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 13.51% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $14 | $2K | 8.65% |
| TYLER HERRINGTON TORBETT3 | 3604 ROBINSON WALK DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $848 | $1K | $2K | 7.80% |
| C MARIE ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $866 | $169 | $1K | 4.12% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURNACE BENEFITS INC | 9085 BETHEL ROAD GAINSVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $603 | $353 | $956 | 3.81% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $589 | $86 | $675 | 2.69% |
| PAMELA E JONES3 | 55 SHORELINE DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $470 | $175 | $645 | 2.57% |
| DENISE J LEWIS-YOUNG3 Filed as: DENISE LEWIS SMITH | 2774 NIBLICK WAY DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $403 | $0 | $403 | 1.60% |
| LAKIESHIA YEUVONNE MCGHEE3 | PO BOX 233 UNION CITY, GA 30291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | — | $302 | 1.20% |
| ELIZABETH LOUISE FENDER3 | 335 S EMERSON AVENUE INDIANAPOLIS, IN 46219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | $39 | $277 | 1.10% |
| B V STONE INC3 Filed as: BV STONE INC | 1800 SUNSET HARBOR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $20 | $256 | 1.02% |
| PATRICIA A DUNCAN3 | WHEATFIELD ROAD FRANKLIN, NC 28734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $32 | $220 | 0.88% |
| DANIEL HALL3 | PO BOX 567081 ATLANTA, GA 31156 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $216 | — | $216 | 0.86% |
| MITCHELL HECTOR MORALES3 | 4679 SCORE COURT SNELLVILLE, GA 30039 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $11 | $145 | 0.58% |
| DOREEN REESE & ASSOCIATES LLC3 | 925 MAIN STREET STONE MOUNTAIN, GA 30083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | $1 | $126 | 0.50% |
| ASSUREDPARTNERS3 Filed as: NORTH FORIDA BENEIFT SOLUTIONS INC | 12659-1 PLUMMER GRAND ROAD JACKSONVILLE, FL 32258 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $9 | $106 | 0.42% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $55 | $94 | 0.37% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $21 | $79 | 0.31% |
| MARIA VERONICA JARQUE3 | 4085 NOBEL DRIVE #29 SAN DIEGO, CA 92122 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | $17 | $77 | 0.31% |
| SABRINA S RAMOS3 | 13750 W COLONIAL DRIVE WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $13 | $71 | 0.28% |
| AMY E COHEN3 Filed as: AMY COHEN | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | $9 | $58 | 0.23% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFIT SYSTEMS INC | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | $34 | $57 | 0.23% |
| BARBARA J LAKE3 | 226 NORTH HIGH STREET MORRISTOWN, IN 46161 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $5 | $46 | 0.18% |
| JOE GORDON3 | 5417 WINTHROP AVE INDIANAPOLIS, IN 46220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $14 | $26 | 0.10% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 Filed as: NORTH FLORIDA BROKER SOLUTIOSN LLC | 1550 HARRINGTON PARK DRIVE JACKSONILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $7 | $23 | 0.09% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $1 | $13 | 0.05% |
| VINSON K ELLENBERG3 | 905 ADAIR AVE NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.04% |
| THOMAS WAYNE FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| JACQUELINE M WILSON3 | 1929 DABNEY DRIVE BATON ROUGE, LA 70816 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.03% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $3 | $7 | 0.03% |
| WENDY DAWN PACK3 | 16109 WATT WAY RAMONA, CA 92065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.02% |
| THOMAS DANIEL SCHMIDT3 | 21608 PINE CONE DRIVE MACOMB, MI 48042 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE ROAD ORLANDA, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| SENSIBLE WORKSITE SOLUTIONS LLC3 | 8733 SIEGEN LANE BATON ROUGE, LA 70810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY SUITE 600 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY #600 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY SUITE #600 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $779 | — | $779 | 100.00% |
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 | 645 | 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) | 645 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 370 | $1.6M |
| Dental | AETNA LIFE INSURANCE CO | 370 | $1.6M |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $11K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 24 | $19K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 186 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.