| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4994 LOWER ROSWELL ROAD SUITE 5 MARIETTA, GA 30068 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $31K | $1K | $33K | 4.27% |
| TRZOS DANIEL3 | PO BOX 160235 ATLANTA, GA 30316 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 22.69% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD SUITE 800 TAMPA, FL 33607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 16.44% |
| TONYA LANCASTER3 | 2121 NEWMARKET PKWY SE SUITE 100 MARIETTA, GA 30067 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $587 | $0 | $587 | 1.88% |
| COLLIER JAMES E3 | PO BOX 491168 COLLEGE PARK, GA 30349 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $135 | $0 | $135 | 0.43% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.04% |
| BROOME AGENCY INC3 | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 82 | 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) | 82 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 82 | $770K |
| Dental | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 82 | $770K |
| Vision | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 82 | $770K |
| Life insurance | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 82 | $770K |
| Other(2 contracts, 2 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 82 | $801K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 82 | — |
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.