| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 2106 CAHABA RD STE B MOUNTAIN BROOK, AL 35223 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $71K | $0 | $71K | 16.79% |
| BENEFIT ADVISORS OF GEORGIA INC3 | PO BOX 26622 TAMPA, FL 33623 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $25K | $25K | 6.00% |
| BENEFIT ADVISORS OF GEORGIA INC3 | PO BOX 4537 VALDOSTA, GA 316044537 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 10.07% |
| ROGERS BENEFIT GROUP INC3 | 4811 BEACH BOULEVARD STE 106 JACKSONVILLE, FL 322074867 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 4.47% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 4811 BEACH BLVD STE 106 JACKSONVILLE, FL 322074867 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.53% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $586 | $586 | 0.30% |
| BENEFIT ADVISORS OF GEORGIA INC3 | PO BOX 2070 VALDOSTA, GA 31603 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $0 | $6K | 4.95% |
| JRP AGENCY LLC3 | 6287 COOPER RD NE VALDOSTA, GA 31605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $285 | $4K | 3.37% |
| PARKERZ INSURANCE LLC3 | 4676 SAN SABA DR HAHIRA, GA 31632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 2.91% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY CLAY LYNCH | 783 OLD HICKORY BLVD STE 353W BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 0.02% |
| NANCY D CLOUDT3 | 128 LAUREL DR BARNESVILLE, GA 30204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| THOMAS WALLACE JR3 | 200 COUNTY ROAD 444 OXFORD, MS 38655 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| KEITH TOBIAS3 Filed as: KEITH STYANLEY TOBIAS | 1366 DUNRAVEN DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 658 | 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) | 658 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 589 | $193K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 589 | $193K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 658 | $744K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 658 | $421K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 658 | $421K |
| Stop-loss / reinsurancereinsurance | SIRIUSPOINT AMERICA INSURANCE COMPANY | 2,195 | $501K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 658 | $551K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,195 | — |
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.