| 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 | — | $15K | $15K | 3.57% |
| SNELLING-WALTERS INS AGENCY3 | 1117 PERIMITER CTR WEST STE W 101 ATLANTA, GA 303385449 | UNUM LIFE INSURANCE CO OF AMERICA | $9K | $821 | $10K | 9.28% |
| JOHN SNELLINGS INSURANCE AGENCY INC3 Filed as: JOHN SNELLINGS INSURANCE AGENCY | 1117 PERIMITER CTR WEST STE W 101 ATLANTA, GA 303385449 | GUARDIAN LIFE INS CO OF AMERICA | $919 | $527 | $1K | 14.53% |
| SNELLING WALTERS INSURANCE AGENCY | 400 THORNWYCK TRAIL ROSWELL, GA 30076 | AVESIS THIRD PARTY ADMINISTRATORS, INC. | $83 | — | $83 | 0.93% |
| JOHN SNELLINGS INSURANCE AGENCY INC3 Filed as: JOHN SNELLINGS INS. AGENCY, INC | 1117 PERIMETER CTR STE W W101 ATLANTA, GA 303385449 | AMERICAN HEALTH HOLDING | — | $3K | $3K | — |
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 | 139 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HEALTH HOLDING | 167 | $0 |
| Dental | GUARDIAN LIFE INS CO OF AMERICA | 133 | $10K |
| Vision | AVESIS THIRD PARTY ADMINISTRATORS, INC. | 96 | $9K |
| Life insurance | UNUM LIFE INSURANCE CO OF AMERICA | 116 | $109K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 167 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.