| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UMR, INC.5 | — | TOKIO MARINE | $199K | — | $199K | 82.85% |
| AI GROUP3 Filed as: THE AI GROUP | PO BOX 80568 ATHENS, GA 30608 | TOKIO MARINE | $87K | — | $87K | 36.28% |
| REGIONS INSURANCE INC3 | PO BOX 3198 LITTLE ROCK, AR 72203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | — | $35K | 19.06% |
| REGIONS INSURANCE INC3 | 12725 MORRIS ROAD BUILDING 100 ALPHARETTA, GA 30004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.85% |
| DANIEL H. PATTERSON3 Filed as: DANIEL H PATTERSON | 2703 EAST LAKE ROAD MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 12.20% |
| REGIONS INSURANCE INC3 | PO BOX 80568 ATHENS, GA 30608 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 6.12% |
| DANIEL H. PATTERSON3 Filed as: DANIEL H PATTERSON | 2703 EAST LAKE ROAD MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 12.76% |
| REGIONS INSURANCE INC3 | PO BOX 80568 ATHENS, GA 30608 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.88% |
| SELECT CHOICE BENEFITS3 Filed as: SELECT CHOICE BENEFITS, INC. | 1640 POWERS FERRY ROAD BUILDING 21, SUITE 300 MARIETTA, GA 30067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.05% |
| ENRIQUE ARAICO3 | PO BOX 7640 ST PETERSBURG, FL 33734 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| REGIONS INSURANCE INC3 | 6000 POPLAR STE 300 MEMPHIS, TN 38119 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC. | $3K | $97 | $3K | 11.25% |
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 | 373 | 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) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $185K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC. | 184 | $24K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $185K |
| Short-term disability(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 169 | $68K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $185K |
| Prescription drug | TOKIO MARINE | 184 | $240K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 184 | $240K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 247 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.