| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 3350 RIVERWOOD PARKWAY SUITE 600 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $90K | $101K | 6.27% |
| VERITAS CONSULTING GROUP LLC3 | 3350 RIVERWOOD PARKWAY SUITE 600 ATLANTA, GA 30339 | GREATER GEORGIA LIFE INSURANCE COMPANY | $9K | — | $9K | 9.11% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY STE 600 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 5.37% |
| ROBERT M LYMAN3 Filed as: ROBERT M LYMAN SR | 1145 SPARKLING CRYSTAL AVE HENDERSON, NV 89015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $279 | — | $279 | 2.35% |
| KELLEY G SANGREY3 | 609 GOLD VALLEY PASS CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $154 | — | $154 | 1.30% |
| ROBERT L GOBLE3 | 6087 CITY WALK LANE SANDY SPRINGS, GA 30328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $150 | — | $150 | 1.27% |
| ACRISURE LLC3 | 999 PEACHTREE STREET NE, SUITE 1500 ATLANTA, GA 30309 | CONTINENTAL AMERICAN INSURANCE COMPANY | $126 | — | $126 | 1.06% |
| ALEXANDER BARYLAK3 | PO BOX 264 WATSON, LA 70786 | CONTINENTAL AMERICAN INSURANCE COMPANY | $118 | — | $118 | 1.00% |
| AMY BARYLAK3 | PO BOX 264 WATSON, LA 70786 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.58% |
| DAVID C CLOUD JR3 | 89 GEMSTONE LANE ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.57% |
| ROBERT M LYMAN3 Filed as: ROBERT LYMAN JR | 514 ERESMA STREET HENDERSON, NV 89015 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.35% |
| BLAKE A THOMAS JR3 | 435 CHANTAN AY PLACE JOHNS CREEK, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.19% |
| RONALD S SANDERS3 | 1194 E LAKEVIEW DRIVE SAN TAN VALLEY, AZ 85143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.07% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 2110 CHARMARIE CT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| AMY A O SHIELDS3 Filed as: AMY A O'SHIELDS | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.06% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| ROBERT HESLEP3 Filed as: ROBERT L HESLEP | 6680 RIVER ISLAND CIRCLE BUFORD, GA 30518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.04% |
| HENRY D MERRITT3 | 29 N RIDGE DRIVE NW ADAIRSVILLE, GA 30103 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD M TIDWELL | PO BOX 1801 CUMMING, GA 30028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| RYAN E MCPHAIL3 | 206 ARBOR CT CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| SEAN ARTHUR DUGGAN3 Filed as: SEAN DUGGAN | 4067 GOLD MILL RDG CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH B DUCKETT | 113 SILKY SULIVAN WAY CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MICHAEL LEROY COY3 Filed as: MICHAEL L COY | 3571 FAR WEST BLVD AUSTIN, TX 78731 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MICAH MESSER3 | 790 HERRELL ROAD VILLA RICA, GA 30180 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| CHARLES S MADISON3 | 6110 CEDARCR EST RD NE STE 350-249 ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| TINA WAY3 Filed as: TINA R WAY | 155 INVERNES S DRIVE WEST SUITE 300 ENGLEWOOD, CO 80122 | 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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $1.6M |
| Vision | VISION SERVICE PLAN | 114 | $19K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 133 | $94K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 133 | $94K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 133 | $94K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 67 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.