| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA STREET 24TH FLOOR SAN FRANCISCO, CA 94104 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 6.84% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1390 WILLOW PASS ROAD SUITE 800 CONCORD, CA 94520 | EYEMED VISION CARE | $5K | — | $5K | 14.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 425 CALIFORNIA ST 24TH FLOOR SAN FRANCISCO, CA 94104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $430 | — | $430 | 6.78% |
| BERNARD YATES3 | 1730 TUFTTOWN COURT SNELLVILLE, GA 30078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $260 | — | $260 | 4.10% |
| JARED N JONES3 | 6907 RANCH FOREST DR COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 2.74% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35676 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.82% |
| STEVEN VORDERLANDWEHR3 | 1242 HADAWAY TRAIL LAWRENCEVILLE, GA 30043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.77% |
| JAMES DAVIS3 Filed as: JAMES E DAVIS | 1506 KLOWNIKE RD SUITE 100 CONYERS, GA 30094 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.76% |
| DUNCAN C STEARNS3 | 368 W PIKE ST STE 206 LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.60% |
| JEFFREY M SINTAY3 | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.52% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | — | $28 | 0.44% |
| WILLIAM M WARDLAW JR3 | 187 S CULVER ST LAWRENCE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.25% |
| JEFFREY M SINTAY3 | PO BOX 540246 GREENACRES, FL 33454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: VC SMITH LLC | 6420 FALL BRANCH DR COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.19% |
| COLLEEN M KIRKLAND3 | 11050 CRABAPPLE RD STE C107 ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.14% |
| JAMES D DUDLEY3 | 3061 EDGEWOOD CT COLUMBUS, CT 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.09% |
| LEE R MCGRAW3 | 9722 FALLVIEW CT VILLA RICA, GA 30180 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| STEVEN VORDERLANDWEHR3 | 2219 MCCAHILL CT BUFORD, GA 30519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.05% |
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 | 331 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 560 | $34K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 477 | $294K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 477 | $294K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 477 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.