| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEGACY RISK SOLUTIONS LLC3 | 434 GREEN STREET NORTHEAST GAINESVILLE, GA 30501 | ALL SAVERS INSURANCE COMPANY | $51K | — | $51K | 10.58% |
| JAMES R CARTER3 | 5031 MAPLES FERRY WAY EVANS, GA 30809 | ALL SAVERS INSURANCE COMPANY | $13K | — | $13K | 2.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SC INC | 7515 NORTHSIDE DRIVE SUITE 150 NORTH CHARLESTON, SC 29420 | ALL SAVERS INSURANCE COMPANY | $4K | — | $4K | 0.79% |
| LEGACY RISK SOLUTIONS LLC3 | PO BOX 2976 GAINESVILLE, GA 30503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 14.49% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF SOUTH CAROLIN | PO BOX 5139 SPARTANBURG, SC 29304 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 2.86% |
| JAMES R CARTER3 | 5031 MAPLES FERRY WAY EVANS, GA 30809 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.65% |
| VBW INSURANCE SERVICES, INC3 Filed as: VBW INSURANCE SERVICES, INC. | 3000 WINDY HILL ROAD SOUTHEAST #672617 MARIETTA, GA 30067 | HARTFORD LIFE AND ACCIDENT | $435 | — | $435 | 4.34% |
| JAMES R CARTER3 | 5031 MAPLES FERRY WAY EVANS, GA 30809 | HARTFORD LIFE AND ACCIDENT | $327 | — | $327 | 3.26% |
| KERRY C EZZELL3 | PO BOX 15074 AUGUSTA, GA 30919 | HARTFORD LIFE AND ACCIDENT | $140 | — | $140 | 1.40% |
| LEGACY RISK SOLUTIONS LLC3 | PO BOX 2976 GAINESVILLE, GA 30503 | HARTFORD LIFE AND ACCIDENT | $85 | — | $85 | 0.85% |
| LEGACY RISK SOLUTIONS LLC3 | PO BOX 2976 GAINESVILLE, GA 30503 | HARTFORD LIFE AND ACCIDENT | $23 | — | $23 | 0.23% |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $272K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $272K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $272K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $272K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $272K |
| Stop-loss / reinsurancereinsurance | ALL SAVERS INSURANCE COMPANY | 151 | $478K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.