| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN SNELLINGS INSURANCE AGENCY INC3 Filed as: JOHN SNELLINGS INS. AGENCY, INC | 1117 PERIMETER CTR, STE W #W101 ATLANTA, GA 303385449 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $10K | $0 | $10K | 15.00% |
| JOHN SNELLINGS INSURANCE AGENCY INC3 Filed as: JOHN SNELLINGS INS. AGENCY, INC | 1117 PERIMETER CTR, STE W #W 101 ATLANTA, GA 303385449 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $8K | $0 | $8K | 15.00% |
| SNELLING-WALTERS INS AGENCY3 | 1117 PERIMETER CTR, STE W #101 ATLANTA, GA 303385449 | GUARDIAN LIFE INS CO OF AMERICA | $1K | — | $1K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SNELLINGS WALTERS INSURANCE AGENCY EIN 58-0970646 AGENT/BROKER | Insurance agents and brokers Service code 22 | 1117 PERIMETER CENTER WEST,STE.W101 ATLANTA, GA 30338 | $62K |
| PARAGON BENEFITS, INC. EIN 58-1741732 THIRD PARTY ADMIN. | Contract Administrator Service code 13 | 6065 BUSINESS PARK DRIVE COLUMBUS, GA 31909 | $21K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 PRE-CERTIFICATION FEE | Claims processing Service code 12 | 7400 WEST CAMPUS ROAD F-510 NEW ALBANY, OH 430548725 | $5K |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INS CO OF AMERICA | 196 | $14K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 231 | $69K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 231 | $69K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 183 | $51K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 148 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.