| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SHEILA J BUTLER AND COMPANY INC3 | 225 MAPLE VIEW DR STE 302 CARROLLTON, GA 30117 | GUARDIAN LIFE INSURANCE COMPANY | $8K | $1K | $9K | 15.31% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS | — | GUARDIAN LIFE INSURANCE COMPANY | $172 | $0 | $172 | 0.29% |
| INSURE FORWARD INC3 Filed as: INSURE LOGIC INC | PO BOX 5786 CORDELE, GA 31010 | ALLSTATE | $2K | $0 | $2K | 3.94% |
| TREY DETTMERING AGENCY INC3 | 1971 THORNTON RD LITHIA SPRINGS, GA 30122 | ALLSTATE | $1K | $0 | $1K | 2.55% |
| SANTA CRUZ CHARLOTTE R3 Filed as: SANTA CRUZ CHARLOTTE | 718 DUNBAR AVE #3A BAY ST LOUIS, MO 39520 | ALLSTATE | $438 | $0 | $438 | 0.77% |
| OWENS WILLIAM HAROLD3 Filed as: OWENS WILLIAM HAROLD ANGIE JACOBS | PO BOX 1002 CORDELE, GA 31010 | ALLSTATE | $18 | $0 | $18 | 0.03% |
| INSURANCE LOGIC INC3 | PO BOX 5786 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.33% |
| TREY DETTMERING AGENCY INC3 | 1971 THORNTON RD LITHIA SPRINGS, GA 30122 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.78% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $193 | $0 | $193 | 0.97% |
| TURNER FELTON E3 | 8464 VICKERS RD HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $142 | $0 | $142 | 0.71% |
| WINDOM ALISHA3 | 1665 NORTH HWY 27 CARROLLTON, GA 30117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $125 | $0 | $125 | 0.63% |
| CRUMLEY JASON3 | 803 N TENNESSEE ST CARTERSVILLE, GA 30120 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.11% |
| UPTON BILLY3 | 2074 FAIRBURN RD DOUGLASVILLE, GA 30135 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.07% |
| SHEILA J BUTLER AND COMPANY INC3 Filed as: SHEILA J BUTLER & CO INC | 225 MAPLE VIEW DR STE 302 CARROLLTON, GA 30117 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.17% |
| GROUP RISK SPECIALISTS INC3 Filed as: GROUP RISK SPECIALIST | 3340 PEACHTREE RD NE STE 1525 ATLANTA, GA 30326 | METROPOLITAN LIFE INSURANCE COMPANY | $943 | $0 | $943 | 4.89% |
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 | 118 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 241 | $78K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 241 | $78K |
| Life insurance(3 contracts, 3 carriers) | ALLSTATE | 241 | $96K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 42 | $115K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 38 | $59K |
| Other(3 contracts, 3 carriers) | ALLSTATE | 241 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.