| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARAGON BENEFITS, INC. Filed as: PARAGON BENEFITS, INC | 6065 BUSINESS PARK DRIVE COLUMBUS, GA 31909 | HCC LIFE INSURANCE COMPANY | — | $18K | $18K | 6.77% |
| 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. | $9K | — | $9K | 15.00% |
| SNELLING-WALTERS INS AGENCY3 | 1117 PERIMETER CTR WEST STE W W101 ATLANTA, GA 303385449 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $7K | — | $7K | 15.00% |
| SNELLING-WALTERS INS AGENCY3 | 1117 PERIMITER CTR WEST STE W 101 ATLANTA, GA 303385449 | GUARDIAN LIFE INS CO OF AMERICA | $1K | $962 | $2K | 17.67% |
| JOHN SNELLINGS INSURANCE AGENCY INC3 Filed as: JOHN SNELLINGS INS. AGENCY, INC | 1117 PERIMETER CTR STE W W101 ATLANTA, GA 303385449 | AMERICAN HEALTH HOLDING | — | $54K | $54K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF GA EIN 58-0469845 | Claims processing Service code 12 | 3075 VENDERCAR WAY CINCINNATI, OH 45209 | $46K |
| PARAGON BENEFITS, INC EIN 58-1741732 THIRD PARTY ADMIN | Contract Administrator Service code 13 | 6065 BUSINESS PARK DRIVE COLUMBUS, GA 31909 | $18K |
| SNELLINGS WALTERS INSURANCE AGENCY EIN 58-0970646 AGENT / BROKER | Insurance agents and brokers Service code 22 | 1117 PERIMETER CENTER W. ATLANTA, GA 30303 | $17K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 PRE-CERTIFICATION FEE | Claims processing Service code 12 | 7400 WEST CAMPUS FROAD 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 | 46 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HEALTH HOLDING | 168 | $0 |
| Dental | GUARDIAN LIFE INS CO OF AMERICA | 176 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 215 | $61K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 215 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 167 | $44K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 167 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.