| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITED HEALTHCARE INSURANCE COMPANY | — | $72K | $72K | 4.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 7.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 | ARTHUR J. GALLAGHER CO. 400 MIDLAND DRIVE STE 300 MT. LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.01% |
| JRP AGENCY LLC3 Filed as: JRP AGENCY, LLC | 4712 RADAR SITE RD VALDOSTA, GA 31605 | AFLAC | $6K | — | $6K | 6.42% |
| KAREN P BENNETT3 | 2863 WILLOW WOOD CIR VALDOSTA, GA 31602 | AFLAC | $5K | — | $5K | 5.16% |
| TIMOTHY R GOLDEN3 | 110 BEACON HILL VALDOSTA, GA 31602 | AFLAC | $2K | — | $2K | 2.54% |
| LARA CARLSON3 Filed as: LARA K. CARLSON | 106 LAUREL VIEW DRIVE ST SIMONS ISLAND, GA 31522 | AFLAC | $2K | — | $2K | 2.29% |
| KIM J WILLIAMS3 | 1276 SEA GATE DR NEWPORT, NC 28570 | AFLAC | $1K | — | $1K | 1.45% |
| KIM J WILLIAMS3 | 2685 WILLIAMS RD LEWISVILLE, NC 27023 | AFLAC | $365 | — | $365 | 0.41% |
| KAREN D PARKER3 | 2863 WILLOW WOOD CIR VALDOSTA, GA 31602 | AFLAC | $355 | — | $355 | 0.40% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM L. AMOS & CO. INC. | 6801 RIVER ROAD STE 205 COLUMBUS, GA 31904 | AFLAC | $269 | — | $269 | 0.30% |
| BRADLEY BOLICK3 | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $61 | — | $61 | 0.07% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $40 | — | $40 | 0.05% |
| SUE C TUCKER3 | 1224 PEACOCK AVENUE SUITE 205 COLUMBUS, GA 31906 | AFLAC | $13 | — | $13 | 0.01% |
| SUE C TUCKER3 | 9856 US HWY 29 N CUSETTA, AL 36852 | AFLAC | $9 | — | $9 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FLOOR ROLLING MEADOWS, IL 60008 | GUARDIAN | $8K | $4K | $12K | 15.65% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 243 | $1.6M |
| Dental | GUARDIAN | 142 | $78K |
| Vision | GUARDIAN | 142 | $78K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 181 | $141K |
| Short-term disability | AFLAC | 138 | $89K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 181 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.