| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 Filed as: TURNER, WOOD & SMITH AGENCY, INC | P.O. BOX 1058 GAINESVILLE, GA 30503 | UNITED HEALTHCARE INSURANCE COMPANY | $46K | $1K | $47K | 4.88% |
| THE LEWER AGENCY3 | 4534 WORNALL ROAD KANSAS CITY, MO 64111 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.47% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 100 BRENAU AVE GAINESVILLE, GA 30501 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $4K | $11K | 17.24% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 100 BRENAU AVE GAINESVILLE, GA 30501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $465 | $5K | 16.54% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 100 BRENAU AVE GAINESVILLE, GA 30501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $364 | $5K | 16.29% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 100 BRENAU AVE GAINESVILLE, GA 30501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $289 | $3K | 16.51% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 100 BRENAU AVENUE GAINESVILLE, GA 30501 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.04% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 172 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 270 | $61K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 175 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 89 | $30K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 101 | $19K |
| Other(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 89 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.