| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COVENANT ADMINISTRATORS LLC3 Filed as: COVENANT BENEFIT GROUP | 1104 RIDGEPOLE DRIVE, UNIT 319 DILLARD, GA 30537 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $44K | $0 | $44K | 5.00% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3445 PEACHTREE ROAD NE, SUITE 200 ATLANTA, GA 30326 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $0 | $4K | $4K | 0.44% |
| COVENANT BENEFITS GROUP INC3 Filed as: COVENANT BENEFITS GROUP | 1104 RIDGEPOLE DRIVE, UNIT 319 DILLARD, GA 30537 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 15.00% |
| COVENANT BENEFITS GROUP INC3 Filed as: COVENANT BENEFITS GROUP | 1104 RIDGEPOLE DRIVE, UNIT 319 DILLARD, GA 30537 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.75% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.37% |
| THE CASON GROUP INC3 | 1612 MARION STREET, 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 12.41% |
| COVENANT BENEFITS GROUP INC3 | 704 BROOKHAVENRUN CIRCLE DULUTH, GA 30097 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 11.17% |
| ASHFORD ADVISORS INC3 | UNKNOWN DORAVILLE, GA 30340 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16 | $0 | $16 | 0.06% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 143 | $871K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 105 | $61K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 95 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $143K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $143K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $143K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 143 | $871K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
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.