| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTERTAINMENT AND SPORTS INSURANCE3 | TWO PACES WEST STE 1500 2727 PACES FERRY RD ATLANTA, GA 30339 | UNUM LIFE INSURANCE CO. OF AMERICA | $33K | — | $33K | 5.42% |
| WELLS FARGO INSURANCE SERVICES3 | USA, INC. 600 HIGHWAY 169 S 12TH FLR SAINT LOUIS PARK, MN 55426 | KAISER FOUNDATION HEALTH PLAN INC. | $11K | — | $11K | 3.00% |
| WELLS FARGO INSURANCE SERVICES3 | USA, INC. 150 N MICHIGAN AVE, SUITE 3900 CHICAGO, IL 60601 | KAISER FOUNDATION HEALTH PLAN INC. | $5K | — | $5K | 1.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 303395965 | STANDARD INSURANCE COMPANY | $36K | — | $36K | 13.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $3K | $47K | 18.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $87 | $87 | 0.03% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP, INC. | 4348 SOUTHPOINT BLVD, SUITE 400 JACKSONVILLE, FL 32216 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.01% |
| WELLS FARGO INSURANCE SERVICES3 | USA, INC. 3475 PIEDMONT ROAD SUITE 800 ATLANTA, GA 30305 | HUMANA INSURANCE COMPANY | $14K | — | $14K | 9.02% |
| WELLS FARGO INSURANCE SERVICES3 | USA, INC. 3475 PIEDMONT RD., SUITE 800 ATLANTA, GA 30305 | ACE AMERICAN INSURANCE COMPANY | $16K | — | $16K | 13.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 5.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | — | $978 | $978 | 0.83% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP, INC. | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | METROPOLITAN LIFE INSURANCE COMPANY | — | $24 | $24 | 0.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT ROAD SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE CO | $5K | — | $5K | 6.01% |
| MICHAEL WELLING3 Filed as: MICHAEL K. WELLING | 22 BRANCH BROOK RD WHITE PLAINS, NY 10605 | CONTINENTAL AMERICAN INSURANCE CO | $3K | — | $3K | 3.08% |
| ANDREW D KOWN3 | 710 CREEKGARDEN CT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE CO | $2K | — | $2K | 2.13% |
| JOHN P KOWN II3 | 1275 SHILOH RD STE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE CO | $2K | — | $2K | 2.13% |
| KAREN H SMITH3 | 1550 FALLEN LEAF DR MARIETTA, GA 30064 | CONTINENTAL AMERICAN INSURANCE CO | $428 | — | $428 | 0.47% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE CO | $293 | — | $293 | 0.32% |
| RAYMOND J KOBER3 | 5 WEST MAIN STREET SUITE 209 ELMSFORD, NY 10523 | CONTINENTAL AMERICAN INSURANCE CO | $76 | — | $76 | 0.08% |
| JASON D HARTMAN3 | 5 GIBSON RD CHESTER, NY 10918 | CONTINENTAL AMERICAN INSURANCE CO | $65 | — | $65 | 0.07% |
| JOSEPH FOXLEY3 Filed as: JOSEPH P FOXLEY | 580 WHITE PLAINS ROAD STE 115 WHITE PLAINS, NY 10591 | CONTINENTAL AMERICAN INSURANCE CO | $65 | — | $65 | 0.07% |
| RONALD S SANDERS3 | 1194 E LAKEVIEW DRIVE SAN TAN VALLEY, AZ 85143 | CONTINENTAL AMERICAN INSURANCE CO | $42 | — | $42 | 0.05% |
| JONATHAN A FERGUSON3 | 14301 N 87TH ST STE 319 SCOTTSDALE, AZ 85260 | CONTINENTAL AMERICAN INSURANCE CO | $37 | — | $37 | 0.04% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | CONTINENTAL AMERICAN INSURANCE CO | $36 | — | $36 | 0.04% |
| JUSTIN M REYNOLDS3 | 5577 BROADCAST CT SARASOTA, FL 34240 | CONTINENTAL AMERICAN INSURANCE CO | $8 | — | $8 | 0.01% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | CONTINENTAL AMERICAN INSURANCE CO | $5 | — | $5 | 0.01% |
| RYAN E MCPHAIL3 | 206 ARBOR CT CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE CO | $3 | — | $3 | 0.00% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD M TIDWELL | PO BOX 1801 CUMMING, GA 30028 | CONTINENTAL AMERICAN INSURANCE CO | $3 | — | $3 | 0.00% |
| CHARLES S MADISON3 | 3303 COBB PKWY NW STE 324-354 ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE CO | $1 | — | $1 | 0.00% |
| TARRAH SMITHSON3 | 2000 BROOKE FOREST CT ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE CO | $1 | — | $1 | 0.00% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN R JOHNSON | 50 HURT PLAZA SE SUITE 995 ATLANTA, GA 30306 | CONTINENTAL AMERICAN INSURANCE CO | $1 | — | $1 | 0.00% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | CONTINENTAL AMERICAN INSURANCE CO | $1 | — | $1 | 0.00% |
| TOMAS E FLORES3 | 5711 JEFFERSON ST APT 308 WEST NEW YORK, NJ 07093 | CONTINENTAL AMERICAN INSURANCE CO | $1 | — | $1 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 2219 MCCAHILL CT BUFORD, GA 30519 | CONTINENTAL AMERICAN INSURANCE CO | $1 | — | $1 | 0.00% |
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 | 2,679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 40 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 74 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,793 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE CO | 514 | $90K |
| Vision | HUMANA INSURANCE COMPANY | 1,081 | $153K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,985 | $650K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE CO | 514 | $90K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE CO. OF AMERICA | 1,538 | $698K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,985 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,985 | — |
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.