| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHASTAIN AND ASSOCIATES INSUR AGCY3 | P O BOX 1908 ATHENS, GA 30603 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $54K | $63K | 5.60% |
| CHASTAIN AND ASSOCIATES3 Filed as: CHASTAIN AND ASSOCIATES INSURANCE | P O BOX 1908 ATHENS, GA 30603 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.39% |
| RJK & ASSOCIATES INC3 Filed as: RJK AND ASSOCIATES INC | 777 DREWRY ST NE ATLANTA, GA 30306 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $80 | $1K | 3.56% |
| B V STONE INC3 Filed as: BV STONE INC | 5470 TECHNOLOGY PARKWAY BRASELTON, GA 30517 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $9 | $1K | 3.52% |
| PLM SOLUTIONS INC3 | 557 GRAVES ROAD WEDOWEE, AL 36278 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $293 | — | $293 | 0.83% |
| TARA MADDOX3 | 1800 PEACHTREE ST SW ATLANTA, GA 30309 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $175 | $7 | $182 | 0.51% |
| NORMAC SOLUTIONS INC3 | 451 HOPKINS ROAD TOWNVILLE, SC 29689 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHASTAIN AND ASSOCIATES3 Filed as: CHASTAIN AND ASSOCIATES INSUR AGY | P O BOX 6628 ATHENS, GA 30604 | GREATER GEORGIA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.95% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 213 | $1.1M |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 166 | $31K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 29 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.