| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $6K | — | $6K | 4.27% |
| FALLON BENEFITS GROUP INC.3 | 3060 PEACHTREE STREET NW SUITE 1650 ATLANTA, GA 30305 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $3K | — | $3K | 1.83% |
| EDGEWATER PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD DULUTH, GA 30096 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $344 | $5K | 6.90% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS INC. | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $665 | $3K | 4.23% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $227 | $1K | 1.98% |
| MJ INSURANCE3 Filed as: CAROL WARREN AND VARIOUS AGENTS | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $86 | $1K | 1.82% |
| MAGDALENA RUIZ DE GOMEZ3 | 163 STILLWOOD DRIVE NEWNAN, GA 30265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $475 | $72 | $547 | 0.78% |
| MITCHELL HECTOR MORALES3 | PO BOX 2532 NORCROSS, GA 30091 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $433 | $1 | $434 | 0.62% |
| TULLY AND COMPANY INC3 Filed as: TULLY AND COMPANY INC. | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $306 | $64 | $370 | 0.53% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | GREATER GEORGIA LIFE INSURANCE COMPANY | $7K | — | $7K | 12.52% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP, INC. | 3060 PEACHTREE ROAD, SUITE 1650 ATLANTA, GA 30305 | AETNA LIFE INSURANCE COMPANY | — | $276 | $276 | 4.46% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 298 | $143K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 298 | $143K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 272 | $54K |
| Long-term disability(2 contracts) | AETNA LIFE INSURANCE COMPANY | 275 | $27K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 272 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.