| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL HEALTH INSURANCE COMPANY3 | PO BOX 619999 DALLAS, TX 75261 | NATIONAL HEALTH INSURANCE COMPANY | — | $158K | $158K | 12.53% |
| KELLY FOX3 | 3633 WHEELER RD STE 230 AUGUSTA, GA 30909 | NATIONAL HEALTH INSURANCE COMPANY | $60K | — | $60K | 4.76% |
| BROKERS HOLDING GROUP3 Filed as: BROKERS HOLDING GROUP LLC | 250 BERRYHILL RD STE 100 COLUMBIA, SC 29210 | NATIONAL HEALTH INSURANCE COMPANY | $31K | — | $31K | 2.50% |
| SOUTHERN BENEFIT CONSULTANTS3 | 3633 WHEELER RD STE 230 AUGUSTA, GA 30909 | NATIONAL HEALTH INSURANCE COMPANY | $22K | — | $22K | 1.74% |
| NATIONAL GENERAL INSURANCE COMPANY3 | 1515 NORTH RIVERCENTER DRIVE STE 13 MILWAUKEE, WI 53212 | NATIONAL HEALTH INSURANCE COMPANY | $3K | — | $3K | 0.21% |
| KELLY FOX3 | 5 PRATHER WOODS LANE AUGUSTA, GA 30909 | GUARDIAN | $30K | — | $30K | 13.07% |
| LEGACY RISK SOLUTIONS LLC3 | 3633 WHEELER RD STE 230 AUGUSTA, GA 30909 | GUARDIAN | $16K | — | $16K | 6.93% |
| THE CASON GROUP INC3 | 1612 MARION ST, 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN | $11K | — | $11K | 5.00% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL HEALTH INSURANCE COMPANY | 178 | $1.3M |
| Dental | GUARDIAN | 222 | $227K |
| Vision | GUARDIAN | 222 | $227K |
| Life insurance | GUARDIAN | 222 | $227K |
| Short-term disability | GUARDIAN | 222 | $227K |
| Long-term disability | GUARDIAN | 222 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
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.