| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORESOURCE, INC.3 Filed as: TRUSTMARK HEALTH BENEFITS | — | BERKLEY LIFE AND HEALTH INSURANCE CO. | $7K | — | $7K | 2.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | GUARDIAN | $14K | — | $14K | 12.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | GUARDIAN | $4K | — | $4K | 3.36% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP, INC. | 106 7TH STREET, N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 9.98% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY, INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $731 | — | $731 | 2.89% |
| OWENS WILLIAM HAROLD3 | ATTEN ANGIE JACOBS PO BOX 997 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.47% |
| BENEFIT SPECIALIST GRP INC3 Filed as: BENEFIT SPECIALIST GRP, INC. | 106 7TH STREET, N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 5.20% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY, INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $346 | — | $346 | 1.58% |
| OWENS WILLIAM HAROLD3 | ATTEN ANGIE JACOBS PO BOX 997 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $47 | — | $47 | 0.21% |
| BENEFITS SPECIALIST GRP INC3 Filed as: BENEFITS SPECIALIST GRP, INC. | 106 7TH STREET, N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 9.36% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY, INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $688 | — | $688 | 3.14% |
| OWENS WILLIAM HAROLD3 | ATTEN ANGIE JACOBS PO BOX 997 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 0.38% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP, INC. | 106 7TH STREET, N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 17.06% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY, INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $466 | — | $466 | 4.11% |
| OWENS WILLIAM HAROLD3 | ATTEN ANGIE JACOBS PO BOX 997 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.34% |
| BENEFITS SPECIALIST GRP INC3 Filed as: BENEFITS SPECIALIST GRP, INC. | 106 7TH STREET, N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $790 | — | $790 | 8.16% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY, INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $248 | — | $248 | 2.56% |
| OWENS WILLIAM HAROLD3 | ATTEN ANGIE JACOBS PO BOX 997 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.37% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP, INC. | 106 7TH STREET, N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $399 | — | $399 | 9.14% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY, INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | — | $133 | 3.05% |
| OWENS WILLIAM HAROLD3 | ATTEN ANGIE JACOBS PO BOX 997 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.34% |
| BENEFITS SPECIALISTS3 Filed as: BENEFITS SPECIALISTS GRP, INC. | 106 7TH STREET, N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $183 | — | $183 | 8.48% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY, INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $70 | — | $70 | 3.24% |
| OWENS WILLIAM HAROLD3 | ATTEN ANGIE JACOBS PO BOX 997 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.32% |
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. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKLEY LIFE AND HEALTH INSURANCE CO. | 115 | $373K |
| Dental | GUARDIAN | 212 | $109K |
| Vision | GUARDIAN | 212 | $109K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 212 | $142K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 212 | $118K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 57 | $25K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE AND HEALTH INSURANCE CO. | 115 | $373K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 61 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.