| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 8 CADILLAC DRIVE, SUITE 200 BRENTWOOD, TN 37027 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | $190K | $239K | 2.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK INC | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $62K | $81K | 0.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INC | PO BOX 2480 DAYTONA BEACH, FL 32115 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $15K | $15K | 0.16% |
| ROBERT L. HUTCHENS3 | 6707 WYNNRIDGE COURT COLUMBUS, GA 31904 | AFLAC | $3K | $173 | $3K | 4.81% |
| MATHIS BENEFIT SERVICES LLC3 | 7310 NORTH LAKE DRIVE, SUITE B COLUMBUS, GA 31909 | AFLAC | $3K | $231 | $3K | 4.50% |
| AMERICARE BENEFITS CORPORATION3 Filed as: AMERICARE BENEFITS AND OTHER AGENTS | 1017 WHITESVILLE WALK DRIVE COLUMBUS, GA 31904 | AFLAC | $2K | $49 | $2K | 2.31% |
| JOHN E CARTER III3 Filed as: JOHN E. CARTER III | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $1K | $106 | $1K | 1.70% |
| SANDRA C MATHIS3 Filed as: SANDRA C. MATHIS | 7310 NORTH LAKE DRIVE, SUITE B COLUMBUS, GA 31909 | AFLAC | $370 | $32 | $402 | 0.59% |
| TERI LYNN HIGGINS3 | 7928 MULLEN ROAD LENEXA, KS 66215 | AFLAC | $144 | $0 | $144 | 0.21% |
| CHRISTY TOOLEY3 Filed as: CHRISTY LEIGH TOOLEY | 7310 NORTH LAKE DRIVE, SUITE B COLUMBUS, GA 31909 | AFLAC | $136 | $0 | $136 | 0.20% |
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 | 1,106 | 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) | 1,106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,687 | $9.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,687 | $9.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,687 | $9.5M |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,687 | $9.5M |
| Short-term disability(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,687 | $9.5M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,687 | $9.5M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,687 | $9.5M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,687 | $9.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,687 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.