| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 100 KIMBALL PLACE SUITE 300 ALPHARETTA, GA 30009 | HCC LIFE INSURANCE COMPANY | $73K | — | $73K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 33213 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | HCC LIFE INSURANCE COMPANY | — | $12K | $12K | 2.55% |
| GEORGE G NOLEN3 | 212 CROSS RIDGE RD BIRMINGHAM, AL 35213 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744833 ATLANTA, GA 30374 | VISION SERVICE PLAN | $1K | — | $1K | 9.72% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $227 | $2K | 11.79% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $481 | $29 | $510 | 5.95% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INS BENEFITS INC | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | $67 | $370 | 4.32% |
| ELIZABETH LOUISE FENDER3 | 335 S. EMERSON AVE. INDIANAPOLIS, IN 46219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | $5 | $120 | 1.40% |
| DANA MARIE MOWATT3 | 23701 S. WESTERN AVE SPC 112 TORRANCE, CA 90501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $26 | $100 | 1.17% |
| EMILY PORRECA3 | 146 WINDFIELDS LANE WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 1.05% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 0.85% |
| CAROLE H WARREN3 | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.17% |
| MITCHELL HECTOR MORALES3 | 1264 GABLES VIEW PL LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.13% |
| JEFFREY LUXENBERG3 | 307 LONGTREE LANE LOGANSPORT, IN 46947 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| NORMAC SOLUTIONS INC3 | 451 HOPKINS ROAD BLUFFTON, SC 29910 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| C ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA RD. UNIT 2367 OLDSMAR, FL 346773104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.05% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LN PLACERVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR. STE 100 JOHNS CREEK, GA 30097 | UNUM INSURANCE COMPANY | $1K | — | $1K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNUM INSURANCE COMPANY | — | $325 | $325 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 11330 LAKEFIELD DR. STE 100 JOHNS CREEK, GA 30097 | UNUM INSURANCE COMPANY | $685 | — | $685 | 20.01% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | UNUM INSURANCE COMPANY | — | $172 | $172 | 5.02% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 187 | $80K |
| Vision | VISION SERVICE PLAN | 73 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 109 | $45K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 109 | $45K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 93 | $485K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 109 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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.