| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMINARE HEALTH BENEFITS, INC.3 Filed as: LUMINARE HEALTH BENEFITS | — | BERKLEY | $8K | — | $8K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | GUARDIAN | $10K | $3K | $13K | 16.69% |
| WHITE JANE3 | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $2K | — | $2K | 10.28% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $1K | — | $1K | 5.62% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC. | 106 7TH STREET N CORDELE, GA 31015 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $761 | — | $761 | 4.03% |
| OWENS WILLIAM HAROLD | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $42 | — | $42 | 0.22% |
| WHITE JANE3 | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $4K | — | $4K | 20.92% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $2K | — | $2K | 8.82% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC. | 106 7TH STREET N CORDELE, GA 31015 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $221 | — | $221 | 1.30% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $10 | — | $10 | 0.06% |
| WHITE JANE3 | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $686 | — | $686 | 5.89% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC. | 106 7TH STREET N CORDELE, GA 31015 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $490 | — | $490 | 4.21% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $470 | — | $470 | 4.03% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $28 | — | $28 | 0.24% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC. | 106 7TH STREET N CORDELE, GA 31015 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $204 | — | $204 | 2.16% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $56 | — | $56 | 0.59% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $14 | — | $14 | 0.15% |
| WHITE JANE3 | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $1K | — | $1K | 14.38% |
| BROOME AGENCY INC3 | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $508 | — | $508 | 7.04% |
| BENEFITS SPECIALISTS3 Filed as: BENEFITS SPECIALISTS GRP INC. | 106 7TH STREET N CORDELE, GA 31015 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $227 | — | $227 | 3.14% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $13 | — | $13 | 0.18% |
| WHITE JANE3 | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $166 | — | $166 | 8.10% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC. | 106 7TH STREET N CORDELE, GA 31015 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $120 | — | $120 | 5.85% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $105 | — | $105 | 5.12% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $6 | — | $6 | 0.29% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC. | 106 7TH STREET N CORDELE, GA 31015 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $119 | — | $119 | 7.88% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $57 | — | $57 | 3.77% |
| WHITE JANE3 | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $29 | — | $29 | 1.92% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $4 | — | $4 | 0.26% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY | 115 | $379K |
| Dental | GUARDIAN | 159 | $79K |
| Vision | GUARDIAN | 159 | $79K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 159 | $106K |
| Short-term disability(3 contracts, 2 carriers) | GUARDIAN | 159 | $88K |
| Long-term disability | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | 45 | $19K |
| Stop-loss / reinsurancereinsurance | BERKLEY | 115 | $379K |
| Other(4 contracts) | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | 44 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.