| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHASTAIN AND ASSOCIATES3 Filed as: CHASTAIN AND ASSOCIATES INSURANCE | PO BOX 1908 ATHENS, GA 30603 | STARMOUNT LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| RJK & ASSOCIATES INC3 Filed as: RJK AND ASSOCIATES INC | 777 DREWRY ST NE ATLANTA, GA 30306 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $41 | $2K | 4.36% |
| CHASTAIN AND ASSOCIATES3 Filed as: CHASTAIN AND ASSOCIATES INSURANCE | P O BOX 1908 ATHENS, GA 30603 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.34% |
| B V STONE INC3 Filed as: BV STONE INC | 5470 TECHNOLOGY PARKWAY BRASELTON, GA 30517 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.48% |
| PLM SOLUTIONS INC3 | 557 GRAVES ROAD WEDOWEE, AL 36278 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $202 | — | $202 | 0.50% |
| TARA MADDOX3 | 5183 OXBOW RD. STONE MOUNTAIN, GA 30087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.05% |
| 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 INSURANCE | PO BOX 908 ATHENS, GA 30603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.42% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 5.14% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 115 | $74K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 115 | $74K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $38K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $38K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 190 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.