| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT ADVISORS OF GEORGIA INC3 | PO BOX 2070 VALDOSTA, GA 316042070 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 11.01% |
| ROGERS BENEFIT GROUP INC3 | 4811 BEACH BOULEVARD STE 106 JACKSONVILLE, FL 322074867 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.58% |
| BENEFIT ADVISORS OF GEORGIA INC3 | PO BOX 2070 VALDOSTA, GA 31603 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29K | $0 | $29K | 22.27% |
| PARKERZ INSURANCE LLC3 | 4676 SAN SABA DR HAHIRA, GA 31632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18K | $4K | $22K | 16.87% |
| JRP AGENCY LLC3 | 6287 COOPER RD NE VALDOSTA, GA 31605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $6K | $20K | 15.48% |
| KAREN D PARKER3 | 128 FLOYD MCNEAL DR HAHIRA, GA 31632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 1.40% |
| JEFFREY C. LYNCH3 Filed as: JEFFREY CLAY LYNCH | 783 OLD HICKORY BLVD STE 353W BRENTWOOD, TN 37027 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.01% |
| HEATHER WOMBLE LLC3 | 2409 PIRATE COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $5 | $7 | 0.01% |
| 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 | $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% |
| KAREN TOBIAS3 | 1366 DUNRAVEN DR MURFREESBORO, TN 37128 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| MATTHEW ANDREW MCMAHON3 | 2127 GRASSY BASIN COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| CHRISTI FRAUENHEIM WHEELER3 | 2937 SANS PARELL ST JACKSONVILLE, FL 32246 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| BENEFIT ADVISORS OF GEORGIA INC3 | PO BOX 2070 VALDOSTA, GA 31604 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 7.00% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 414 | $223K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 414 | $223K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 414 | $353K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 53 | $20K |
| Stop-loss / reinsurancereinsurance | SIRIUSPOINT AMERICA INSURANCE COMPANY | 1,838 | $341K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 164 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,838 | — |
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.
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.