| 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 | $30K | $0 | $30K | 14.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203066 DALLAS, TX 75320 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $924 | $924 | 0.46% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | UNKNOWN DALLAS, TX 75320 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 10.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | UNKNOWN DALLAS, TX 75202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $4K | $4K | 6.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 4401 NORTHSIDE PARKWAY SUITE 400 ATLANTA, GA 30327 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | $0 | $5K | 11.83% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 3475 PIEDMONT ROAD SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $752 | $0 | $752 | 2.85% |
| ENROLLEASE3 Filed as: CHARLES V CLARKE | 844 DENTON ROAD DOUGLASVILLE, GA 30134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $448 | $0 | $448 | 1.70% |
| RICK G CANTRELL3 | 1800 MCPHERSON CHURCH DALLAS, GA 30132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $199 | $0 | $199 | 0.75% |
| RICK L BUSH3 | 4727 OUTLOOK WAY MARIETTA, GA 30066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $177 | $0 | $177 | 0.67% |
| MICHAEL G GLADNICK3 Filed as: MICHAEL GLADNICK | 10749 NORTH 121ST PLACE SCOTTSDALE, AZ 85259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | $0 | $95 | 0.36% |
| DEREK W STRANGE3 | PO BOX 200275 CARTERSVILLE, GA 30120 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.21% |
| ROBIN D MAXWELL AND OTHER AGENTS3 | 22 CLINGSTON COURT DOUGLASVILLE, GA 30134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.17% |
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 | 706 | 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) | 707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,099 | $71K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 706 | $203K |
| Short-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 181 | $67K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 706 | $203K |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 706 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,099 | — |
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.