| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 4401 NORTHSIDE PARKWAY, SUITE 400 ATLANTA, GA 30327 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $21K | — | $21K | 12.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203066 DALLAS, TX 75320 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 2.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 9.58% |
| CHARLIES V. CLARK3 | 844 DENTON ROAD DOUGLASVILLE, GA 30134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 5.76% |
| RICK G CANTRELL3 Filed as: RICK G. CANTRELL | 1800 MCPHERSON CHURCH DALLAS, GA 30132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.20% |
| RICK L BUSH3 Filed as: RICK L. BUSH | 4727 OUTLOOK WAY MARIETTA, GA 30066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.89% |
| MJ INSURANCE3 Filed as: DEREK W. STRANGE AND VARIOUS AGENTS | PO BOX 200275 CARTERSVILLE, GA 30120 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.23% |
| MICHAEL G GLADNICK3 Filed as: MICHAEL GLADNICK | 10749 NORTH 121ST PLACE SCOTTSDALE, AZ 85259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.93% |
| ANGELICA SAMANIEGO3 | 782 NORTH STEELE DRIVE HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $990 | — | $990 | 0.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203066 DALLAS, TX 75320 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $348 | $3K | 5.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.82% |
| CHARLES V. CLARK3 | 844 DENTON ROAD DOUGLASVILLE, GA 30134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.06% |
| RICK G CANTRELL3 | 1800 MCPHERSON CHURCH DALLAS, GA 30132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $392 | — | $392 | 0.73% |
| RICK L BUSH3 | 4727 OUTLOOK WAY MARIETTA, GA 30066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $348 | — | $348 | 0.65% |
| MJ INSURANCE3 Filed as: MICHAEL GLADNICK AND VARIOUS AGENTS | 10749 NORTH 121ST PLACE SCOTTSDALE, AZ 85259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $347 | — | $347 | 0.65% |
| DEREK W STRANGE3 | PO BOX 200275 CARTERSVILLE, GA 30120 | CONTINENTAL AMERICAN INSURANCE COMPANY | $248 | — | $248 | 0.46% |
| ANGELA SAMANIEGO3 | 782 NORTH STEELE DRIVE HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $239 | — | $239 | 0.45% |
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 | 619 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 620 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,011 | $57K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 619 | $169K |
| Short-term disability(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 235 | $210K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 619 | $169K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 619 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,011 | — |
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.