| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 150 NORTH MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 60601 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $49K | — | $49K | 20.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203066 DALLAS, TX 75320 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 1.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24K | — | $24K | 15.98% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INS. BENEFITS AND OTHER AGENTS | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $5K | $16K | 10.67% |
| BRUCE PHILLIPS3 Filed as: BRUCE A. PHILLIPS | 4214 DANIEL GREEN TRAIL SE SMYRNA, GA 30080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 4.84% |
| PLM SOLUTIONS INC3 Filed as: PLM SOLUTIONS, INC. | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 3.65% |
| TRAN B HUYEN-KEODARA3 Filed as: TRAN B. HUYEN-KEODARA | 115 BENDING OAK COURT LEXINGTON, SC 29073 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $771 | $4K | 2.46% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL AND ASSOCIATES, INC. | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 2.07% |
| PAMELA E JONES3 Filed as: PAMELA E. JONES | 55 SHORELINE DRIVE COLUMBIA, SC 29229 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $857 | $3K | 1.89% |
| BRUCE PHILLIPS3 Filed as: BRUCE A. PHILLIPS | 4124 DANIEL GREEN TRAIL SE SMYRNA, GA 30080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | — | $10K | 20.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203491 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 8.28% |
| MICHAEL D AISSEN3 Filed as: MICHAEL I. PATE | 802 BOMBAY LANE ROSWELL, GA 30076 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.10% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 1300 27TH PLACE SOUTH, SUITE 46 BIRMINGHAM, AL 35205 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $35 | — | $35 | 0.07% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, INC. | 135 OKONI LANE EATONTON, GA 31024 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.05% |
| BRET STONE3 | 1800 SUNSET HARBOR POINTE LAWRENCEVILLE, GA 30043 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 600 HIGHWAY 169 SOUTH, SUITE 1200 SAINT LOUIS, MN 55426 | EYEMED | $6K | — | $6K | 14.95% |
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 | 565 | 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) | 565 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 207 | $912K |
| Vision | EYEMED | 767 | $38K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 520 | $234K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 520 | $234K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 104 | $714K |
| Other(4 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 565 | $396K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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.