| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY, LLC | PO BOX 1049 LAGRANGE, GA 30241 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | $199K | $242K | 3.69% |
| A2 HOLDINGS, LLC3 | 887 WEST MARIETTA STREET NW SUITE N-108 ATLANTA, GA 30318 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $46K | $56K | 0.85% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY, LLC | PO BOX 1049 LAGRANGE, GA 30241 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57K | $0 | $57K | 14.57% |
| A2 HOLDINGS, LLC3 | 887 WEST MARIETTA STREET NW SUITE N-108 ATLANTA, GA 30318 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 4.17% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY, LLC | PO BOX 1049 LAGRANGE, GA 30241 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 14.60% |
| A2 HOLDINGS, LLC3 | 887 WEST MARIETTA STREET NW SUITE N-108 ATLANTA, GA 30318 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.02% |
| AON CONSULTING INC3 Filed as: ALLSTATE | 1776 AMERICAN HERITAGE LIFE DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $354 | $0 | $354 | 0.38% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY, LLC | 200 BROAD STREET LAGRANGE, GA 30240 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | $0 | $44 | 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 | 561 | 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) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,000 | $6.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,000 | $6.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,000 | $6.6M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 561 | $391K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 561 | $391K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 561 | $391K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,000 | $6.6M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 561 | $483K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,000 | — |
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."
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.