| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORESOURCE, INC.3 Filed as: TRUSTMARK HEALTH BENEFITS | — | BERKLEY | $7K | — | $7K | 2.00% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET N CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 6.93% |
| WHITE JANE3 | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 6.81% |
| BROOME AGENCY INC3 | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 5.45% |
| OWENS WILLIAM HAROLD3 Filed as: OWENS WILLIAMS HAROLD | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE | $77 | — | $77 | 0.34% |
| WHITE JANE3 | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE | $4K | — | $4K | 23.65% |
| BROOME AGENCY INC3 | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 9.61% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH ST N CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE | $108 | — | $108 | 0.62% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE | $6 | — | $6 | 0.03% |
| WHITE JANE3 Filed as: WHITE J | PO BOX 5766 CORDELE, GA 31010 | AMERICA | $1K | — | $1K | 7.84% |
| BROOME AGENCY INC3 | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICA | $830 | — | $830 | 5.27% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET N CORDELE, GA 31015 | AMERICA | $814 | — | $814 | 5.17% |
| OWENS WILLIAM HAROLD3 Filed as: OWENS WILLIAMS HAROLD | PO BOX 1002 CORDELE, GA 31010 | AMERICA | $43 | — | $43 | 0.27% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH ST N CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE | $332 | — | $332 | 2.16% |
| BROOME AGENCY INC3 | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE | $83 | — | $83 | 0.54% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE | $24 | — | $24 | 0.16% |
| WHITE JANE3 | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE | $852 | — | $852 | 10.25% |
| BROOME AGENCY INC3 | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE | $532 | — | $532 | 6.40% |
| BENEFITS SPECIALIST GRP INC3 | 106 7TH ST N CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE | $465 | — | $465 | 5.60% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE | $22 | — | $22 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | GUARDIAN | $11K | $103 | $11K | 130.53% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH STREET N CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE | $201 | — | $201 | 8.90% |
| BROOME AGENCY INC3 | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE | $59 | — | $59 | 2.61% |
| WHITE JANE3 | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE | $20 | — | $20 | 0.89% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE | $8 | — | $8 | 0.35% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP INC | 106 7TH ST N CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE | $139 | — | $139 | 7.15% |
| WHITE JANE3 | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE | $129 | — | $129 | 6.63% |
| BROOME AGENCY INC3 | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE | $104 | — | $104 | 5.35% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE | $5 | — | $5 | 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 | $355K |
| Dental | GUARDIAN | 159 | $8K |
| Vision | GUARDIAN | 159 | $8K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 159 | $41K |
| Short-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 159 | $39K |
| Stop-loss / reinsurancereinsurance | BERKLEY | 115 | $355K |
| Other(2 contracts, 2 carriers) | AMERICA | 46 | $18K |
| 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.