| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH PLANNING ASSOCIATES, LLC3 | 235 MARGIE DR SUITE 200 WARNER ROBINS, GA 31088 | HUMANA INSURANCE COMPANY | $7K | $2K | $9K | 10.62% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF FL LLC | 300 COLONIAL CENTER PKWY SUITE 270 LAKE MARY, FL 32746 | HUMANA INSURANCE COMPANY | $7K | — | $7K | 7.81% |
| HEALTH PLANNING ASSOCIATES, LLC3 Filed as: HEALTH PLANNING ASSOCIATES, INC. | 235 MARGIE DR STE 200 WARNER ROBINS, GA 31088 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.63% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.37% |
| VARIOUS - SEE ATTACHED3 Filed as: MULTIPLE AGENTS SEE ATTACHED | MULTIPLE AGENTS SEE ATTACHED MULTIPLE AGENTS, GA 31093 | AFLAC | $431 | — | $431 | 9.97% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA WORKSITE SERVICE | 22 INVERNESS CENTER PKWY STE 100 BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | — | $38 | 1.76% |
| MCNEAL AGENCY, INC.3 | 1717 RUSSEL PKWY PO BOX 6009 WARNER ROBINS, GA 31095 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.93% |
| COLEMAN AND COMPANY BENEFITS INC3 Filed as: COLEMAN & COMPANY BENEFITS, INC. | PO BOX 157 EASTMAN, GA 31023 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.93% |
| HERRING, RICHARD, FULLER3 Filed as: HERRING, RICHARD FULLER | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.32% |
| VARIOUS - SEE ATTACHED3 Filed as: MULTIPLE AGENTS SEE ATTACHED | MULTIPLE AGENTS SEE ATTACHED MULTIPLE AGENTS, GA 31999 | AFLAC | $204 | — | $204 | 10.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH PLANNING ASSOCIATES, LLC BROKER FEES | Claims processing; Contract Administrator Service code 12 | 235 MARGIE DR WARNER ROBINS, GA 31088 | $38K |
| AP BENEFIT ADVISORS LLC BROKER FEES | Claims processing; Contract Administrator Service code 12 | 10 N PARK DR #200 HUNT VALLEY, MD 21030 | $17K |
| ASSUREDPARTNERS CAPITAL, INC. BROKER FEES | Claims processing; Contract Administrator Service code 12 | 200 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21031 | $11K |
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. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 212 | $1.1M |
| Dental | HUMANA INSURANCE COMPANY | 212 | $88K |
| Vision | HUMANA INSURANCE COMPANY | 212 | $88K |
| Life insurance | HUMANA INSURANCE COMPANY | 212 | $88K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 15 | $2K |
| Other(5 contracts, 4 carriers) | HUMANA INSURANCE COMPANY | 212 | $117K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.