| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | 150 NORTH MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $47K | — | $47K | 19.03% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 75 REMITTANCE DRIVE, SUITE1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $937 | $937 | 0.38% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES, LLC | 39340 TREASURY CENTER CHICAGO, IL 60694 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $29 | — | $29 | 0.01% |
| WELLS FARGO INSURANCE SERVICES3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $33K | $4K | $37K | 26.73% |
| CYNTHIA WHALEN3 Filed as: CYNTHIA P. WHALEN AND OTHER AGENTS | 123 PINE VALLEY DRIVE MIDDLETOWN, DE 19709 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $5K | $20K | 14.47% |
| BRUCE PHILLIPS3 Filed as: BRUCE A. PHILLIPS | 4214 DANIEL GREEN TRAIL SE SMYRNA, GA 30080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $4K | $12K | 8.38% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL AND ASSOCIATES, INC. | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $7K | $11K | 8.24% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $3K | $10K | 7.03% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS, INC. | 8045 ROYAL SAINT GEORGES LANE DULUTH, GA 30097 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $5K | $8K | 6.16% |
| B V STONE INC3 Filed as: BV STONE, INC. | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 3.21% |
| AON CONSULTING INC3 Filed as: HEWITT ASSOCIATES | PO BOX 905494 CHARLOTTE, NC 28290 | EYEMED VISION CARE | $263 | — | $263 | 0.75% |
| WELLS FARGO INSURANCE SERVICES3 | PO BOX 203491 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | — | $13K | 69.61% |
| BRUCE PHILLIPS3 Filed as: BRUCE A. PHILLIPS | 4124 DANIEL GREEN TRAIL SE SMYRNA, GA 30080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 14.36% |
| MICHAEL D AISSEN3 Filed as: MICHAEL I. PATE | 802 BOMBAY LANE ROSWELL, GA 30076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.89% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 1300 27TH PLACE SOUTH, SUITE 46 BIRMINGHAM, AL 35205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 6.09% |
| BRET STONE3 | 1800 SUNSET HARBOR POINTE LAWRENCEVILLE, GA 30043 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $404 | — | $404 | 2.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $950 | — | $950 | 14.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO SERVICES | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | ZURICH AMERICAN INSURANCE COMPANY | $404 | — | $404 | 14.98% |
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 | 569 | 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) | 569 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 266 | $156K |
| Vision | EYEMED VISION CARE | 774 | $35K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 569 | $247K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 569 | $247K |
| Other(6 contracts, 5 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 569 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 774 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.