| 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 | — | $94K | $94K | 5.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 887 W MARIETTA ST ATLANTA, GA 30318 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | ARTHUR J. GALLAGHER CO. 400 MIDLAND DRIVE MT. LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $234 | — | $234 | 0.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 887 W. MARIETTA ST STUDIO N-108 ATLANTA, GA 30318 | GUARDIAN | $8K | $5K | $13K | 15.96% |
| KAREN P BENNETT3 | 3547 N. CROSSING CIRCLE VALDOSTA, GA 31602 | AFLAC | $6K | $708 | $7K | 9.14% |
| JRP AGENCY LLC3 Filed as: JRP AGENCY, LLC | 4712 RADAR SITE RD VALDOSTA, GA 31605 | AFLAC | $7K | $174 | $7K | 8.96% |
| TIMOTHY R GOLDEN3 | 110 BEACON HILL VALDOSTA, GA 31602 | AFLAC | $3K | $164 | $3K | 3.71% |
| LARA CARLSON3 Filed as: LARA K. CARLSON | 106 LAUREL VIEW DRIVE ST SIMONS ISLAND, GA 31522 | AFLAC | $2K | $174 | $2K | 3.08% |
| KIM J WILLIAMS3 | 4406 FOREST VALLEY CIRCLE VALDOSTA, GA 31602 | AFLAC | $943 | — | $943 | 1.25% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM L. AMOS & CO. INC. | 6801 RIVER ROAD STE 205 COLUMBUS, GA 31904 | AFLAC | $267 | — | $267 | 0.35% |
| BRADLEY BOLICK3 | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $44 | — | $44 | 0.06% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $29 | — | $29 | 0.04% |
| SUE TUCKER3 | 1224 PEACOCK AVENUE SUITE 205 COLUMBUS, GA 31906 | AFLAC | $15 | — | $15 | 0.02% |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 268 | $1.8M |
| Dental | GUARDIAN | 154 | $82K |
| Vision | GUARDIAN | 154 | $82K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 201 | $136K |
| Short-term disability | AFLAC | 147 | $75K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 201 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.