| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SPECIALIST GRP INC3 Filed as: BENEFIT SPECIALIST GRP, INC. | 106 7TH ST N SUITE C CORDELE, GA 31015 | ALLSTATE | $13K | — | $13K | 15.28% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY, INC. | 1213 BAYTREE RD. VALDOSTA, GA 31602 | ALLSTATE | $6K | — | $6K | 6.53% |
| WILLIAM HAROLD OWENS | P.O. BOX 997 CORDELE, GA 31010 | ALLSTATE | $424 | — | $424 | 0.49% |
| MGNMRB INC3 Filed as: MGNMRB | 225 MARINA DR ST. SIMONS ISLAND, GA 315222243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.02% |
| BENEFIT SPECIALIST GRP INC Filed as: BENEFIT SPECIALIST GROUP, INC. | 106 N 7TH ST CORDELE, GA 310154273 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 3.02% |
| BENEFIT SPECIALIST GRP INC3 Filed as: BENEFIT SPECIALIST GRP, INC. | 106 7TH ST. N SUITE C CORDELE, GA 31015 | ALLSTATE | $2K | — | $2K | 11.35% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY, INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | ALLSTATE | $947 | — | $947 | 4.87% |
| WILLIAM HAROLD OWENS | P.O. BOX 997 CORDELE, GA 31010 | ALLSTATE | $65 | — | $65 | 0.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PARAGON BENEFITS EIN 58-1741732 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | 6065 BUSINESS PARK DR COLUMBUS, GA 31909 | $38K |
| CURALINC LLC EIN 33-1206383 NO BLUE DAY | Claims processing Service code 12 | 8707 SKOKIE BLVD. STE 109 SKOKIE, IL 60077 | $3K |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $1.3M |
| Dental(2 contracts, 2 carriers) | ALLSTATE | 231 | $130K |
| Life insurance(2 contracts) | ALLSTATE | 205 | $106K |
| Short-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $1.2M |
| Stop-loss / reinsurancereinsurance | STOP LOSS INSURANCE SERVICES | 205 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.