| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANFORD INSURANCE LLC3 Filed as: THE SANFORD COMPANY | 4468 FORSYTH ROAD MACON, GA 31210 | COVENTRY HEALTH CARE OF GEORGIA | $21K | — | $21K | 2.86% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | COVENTRY HEALTH CARE OF GEORGIA | $16K | — | $16K | 2.14% |
| SANFORD INSURANCE LLC3 Filed as: THE SANFORD COMPANY | 4468 FORSYTH ROAD MACON, GA 31210 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 6.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | UNION SECURITY INSURANCE COMPANY | $7K | $128 | $7K | 4.12% |
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 | 144 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH CARE OF GEORGIA | 195 | $732K |
| Dental | UNION SECURITY INSURANCE COMPANY | 144 | $165K |
| Vision | UNION SECURITY INSURANCE COMPANY | 144 | $165K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 144 | $165K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 144 | $165K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 144 | $165K |
| Other | UNION SECURITY INSURANCE COMPANY | 144 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.