| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORESOURCE, INC.5 | 2105 WATER RIDGE PKWY STE 600 CHARLOTTE, NC 28217 | HCC LIFE INSURANCE COMPANY | — | $888 | $888 | 0.38% |
| CORESOURCE, INC.5 | 18401 MAPLE CREEK DR STE 300 TINLEY PARK, IL 60477 | HCC LIFE INSURANCE COMPANY | — | $665 | $665 | 0.29% |
| THE CHESHIRE GROUP INC3 | 5755 N POINT PKWY STE 14 ALPHARETTA, GA 300221136 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 8.12% |
| HUTCHINSON-TRAYLOR AGENCY3 Filed as: HUTCHINSON-TRAYLOR INS AGENCY | PO BOX 1049 LAGRANGE, GA 302410019 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 7.35% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| HUTCHINSON-TRAYLOR AGENCY3 Filed as: HUTCHINSON-TRAYLOR INS AGENCY | PO BOX 1049 LAGRANGE, GA 302410019 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.80% |
| THE CHESHIRE GROUP INC3 | 5755 N POINT PKWY STE 14 ALPHARETTA, GA 300221136 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.79% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.60% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.60% |
| HUTCHINSON-TRAYLOR AGENCY3 Filed as: HUTCHINSON-TRAYLOR INS AGENCY | PO BOX 1049 LAGRANGE, GA 302410019 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.69% |
| THE CHESHIRE GROUP INC3 | 5755 N POINT PKWY STE 14 ALPHARETTA, GA 300221136 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 8.68% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 3.81% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $728 | $728 | 2.65% |
| VALDOSTA INSURANCE SERVICES INC3 | PO BOX 2070 VALDOSTA, GA 31604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | — | $260 | 2.70% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 682 VALLEY VIEW ROAD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.56% |
| NICOLE TOWNSEND VEDDER3 | 3370 LAKE RUN DRIVE TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | — | $51 | 0.53% |
| DAVID J MCCLELLAN3 Filed as: DAVID B MERKHOFER | 2704 SETTER PL TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.49% |
| EDWARD D SOMMER3 Filed as: EDWARD GUY JR | 260 TIMBERLANE RD TALLAHASSEE, FL 32312 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.26% |
| VALDOSTA INSURANCE SERVICES INC3 | PO BOX 2070 VALDOSTA, GA 31604 | AFLAC | $24 | — | $24 | 5.96% |
| MICKEY J DELOACH3 | 3 SADDLEWOOD CIR VALDOSTA, GA 31605 | AFLAC | $15 | — | $15 | 3.72% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 826 NORTH ELM ST GREENSBORO, NC 27401 | AFLAC | $6 | — | $6 | 1.49% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $2 | — | $2 | 0.50% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 2004 STRATTON HILLS CT GREENSBORO, NC 27410 | AFLAC | $1 | — | $1 | 0.25% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 139 | $300K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $143K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $143K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $152K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $143K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $143K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 139 | $233K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.