| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | 2829 PACES FERRY ROAD SE, STE 830 ATLANTA, GA 303395770 | GRANULAR INSURANCE COMPANY | $0 | $145K | $145K | 6.39% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PKWY ATLANTA, GA 30328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59K | $0 | $59K | 6.86% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY LLC | 6 CONCOURSE PKWY NE STE 2750 ATLANTA, GA 303286243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180K | $0 | $180K | 43.52% |
| IMA, INC.3 | 430 E DOUGLAS AVE STE 400 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 1.62% |
| MARSH & MCLENNAN AGENCY LLC3 | 1031 W 4TH AVENUE, STE 400 ANCHORAGE, AK 99501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $133 | $0 | $133 | 0.03% |
| JENNIFER PARR3 Filed as: JENNIFER LEIGH PARR | 241 RED OAK LN PINE MOUNTAIN, GA 318223648 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.00% |
| PATSY GUTHRIE3 Filed as: PATSY LYNN GUTHRIE | 103 CEDAR ROCK DR LAGRANGE, GA 302418066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| FRANK R GRIFFIN JR3 Filed as: FRANK RONALD GRIFFIN JR | 8601 GARRETT RD MIDLAND, GA 318204284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| RANDALL H JORDAN3 | 1800 BUENA VISTA RD COLUMBUS, GA 319063004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PKWY NE STE 2750 ATLANTA, GA 30328 | UNITED HEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| IMA, INC.3 | PO BOX 2992 WICHITA, KS 67201 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $0 | $4K | 4.47% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PKWY ATLANTA, GA 30328 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $0 | $4K | 4.18% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | 6 CONCOURSE PKWY NE STE 2750 ATLANTA, GA 303286243 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 26.50% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 W 10TH STREET WEST POINT, GA 31833 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $957 | $0 | $957 | 8.93% |
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 | 2,243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 63 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 3,272 | $211K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 3,272 | $211K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,272 | $211K |
| Life insurance(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,290 | $1.3M |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,290 | $867K |
| Long-term disability(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,290 | $1.3M |
| Stop-loss / reinsurancereinsurance | GRANULAR INSURANCE COMPANY | 1,733 | $2.3M |
| Other(5 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,290 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,272 | — |
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.