| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2 PIERCE PL FL 14 ITASCA, IL 60143 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | $30K | $33K | 2.61% |
| CARYN EDELMAN COOK3 | 3820 REDSTONE CT SE SMYRNA, GA 30080 | UNITED HEALTHCARE INSURANCE COMPANY | — | $30K | $30K | 2.34% |
| CARYN EDELMAN COOK3 Filed as: CARYN COOK | 887 W. MARIETTA STREET STUDIO N-108 ATLANTA, GA 30318 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE 14TH FLOOR ITASCA, IL 601433414 | UNION SECURITY INSURANCE COMPANY | $4K | $254 | $4K | 10.62% |
| JRP AGENCY LLC3 Filed as: JRP AGENCY, LLC | 4712 RADAR SITE RD VALDOSTA, GA 31605 | AFLAC | $2K | $90 | $2K | 6.53% |
| KAREN P BENNETT3 | 3547 N. CROSSING CIRCLE VALDOSTA, GA 31602 | AFLAC | $1K | $101 | $1K | 5.18% |
| TIMOTHY R GOLDEN3 | 110 BEACON HILL VALDOSTA, GA 31602 | AFLAC | $766 | $64 | $830 | 3.08% |
| LARA CARLSON3 Filed as: LARA K. CARLSON | 106 LAUREL VIEW DRIVE ST SIMONS ISLAND, GA 31522 | AFLAC | $579 | $42 | $621 | 2.31% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM L. AMOS & CO. INC. | 6801 RIVER ROAD STE 205 COLUMBUS, GA 31904 | AFLAC | $386 | $42 | $428 | 1.59% |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 199 | $1.3M |
| Dental | UNION SECURITY INSURANCE COMPANY | 93 | $41K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 152 | $112K |
| Short-term disability | AFLAC | 100 | $27K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 152 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.