| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERITAS CONSULTING GROUP LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC (G0385) | $54K | — | $54K | 2.53% |
| HEART OF GEORGIA INSURANCE BROKERS3 | PO BOX 109 MACON, GA 31202 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC (G0385) | $36K | — | $36K | 1.68% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | VISION SERVICE PLAN | $1K | — | $1K | 4.65% |
| BLAKE A THOMAS JR3 | 435 CHANTAN AY PLACE JOHNS CREEK, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.90% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE, SUITE 1500 ATLANTA, GA 30309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.60% |
| ROBERT M LYMAN3 Filed as: ROBERT M LYMAN SR | 1145 SPARKLING CRYSTAL AVE HENDERSON, NV 89015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $579 | — | $579 | 2.07% |
| ROBERT HESLEP3 Filed as: ROBERT L HESLEP | 6680 RIVER ISLAND CIRCLE BUFORD, GA 30518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $497 | — | $497 | 1.77% |
| ROBERT L GOBLE3 | 6087 CITY WALK LANE SANDY SPRINGS, GA 30328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $372 | — | $372 | 1.33% |
| KELLEY G SANGREY3 | 609 GOLD VALLEY PASS CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $268 | — | $268 | 0.96% |
| ALEXANDER BARYLAK3 | PO BOX 264 WATSON, LA 70786 | CONTINENTAL AMERICAN INSURANCE COMPANY | $229 | — | $229 | 0.82% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 2110 CHARMARIE CT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | — | $221 | 0.79% |
| AMY BARYLAK3 | PO BOX 264 WATSON, LA 70786 | CONTINENTAL AMERICAN INSURANCE COMPANY | $141 | — | $141 | 0.50% |
| DAVID C CLOUD JR3 | 89 GEMSTONE LANE ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | — | $140 | 0.50% |
| RONALD S SANDERS3 | 7402 KINGS RIVER CT BUFORD, GA 30519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.22% |
| ROBERT M LYMAN3 Filed as: ROBERT LYMAN JR | 514 ERESMA STREET HENDERSON, NV 89015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | — | $36 | 0.13% |
| CHARLES S MADISON3 | 6110 CEDARCR EST RD NE STE 350-249 ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.06% |
| AMY A O SHIELDS3 Filed as: AMY A O'SHIELDS | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| TARRAH SMITHSON3 | 2000 BROOKE FOREST CT ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN R JOHNSON | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.05% |
| STEVEN VORDERLANDWEHR3 | 2219 MCCAHILL CT BUFORD, GA 30519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.04% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD M TIDWELL | PO BOX 1801 CUMMING, GA 30028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| RYAN E MCPHAIL3 | 206 ARBOR CT CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.02% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN R JOHNSON | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| MICHAEL LEROY COY3 Filed as: MICHAEL L COY | 3571 FAR WEST BLVD #42 AUSTIN, TX 78731 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC (G0385) | 244 | $2.2M |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC (G0385) | 244 | $2.2M |
| Vision | VISION SERVICE PLAN | 245 | $31K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC (G0385) | 254 | $2.2M |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $49K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 254 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.