| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVEN BENEFITS | 1000 PEACHTREE INDUSTRIAL BLVD SUWANEE, GA 30024 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | $181K | — | $181K | 5.15% |
| HAVEN BENEFITS | 1000 PEACHTREE INDUSTRIAL BLVD STE 6437 SUWANEE, GA 30024 | THE HARTFORD | $40K | — | $40K | 15.00% |
| HAVEN BENEFITS | 1000 PEACHTREE INDUSTRIAL BLVD STE 6437 SUWANEE, GA 30024 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 14.07% |
| MJ INSURANCE Filed as: VARIOUS AGENTS | PO BOX 1316 GAINESVILLE, GA 30503 | AFLAC | $1K | — | $1K | 11.57% |
| HAVEN BENEFITS | 1000 PEACHTREE INDUSTRIAL BLVD SUITE 6347 SUWANEE, GA 30024 | CONTINENTAL AMERICAN INSURANCE COMPANY | $878 | — | $878 | 7.95% |
| SHARON D ROBERTS | PO BOX 1129 YOUNG HARRIS, GA 30582 | CONTINENTAL AMERICAN INSURANCE COMPANY | $128 | — | $128 | 1.16% |
| GLORIA E CAMP | 235 CAMP DR RD TOCCOA, GA 30577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | — | $117 | 1.06% |
| BENEFITS CONSULTING GROUP | 5729 FAIRWOOD DR ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | — | $105 | 0.95% |
| DEJUAN B MARTIN | 6600 SHOAL CREEK RD CLERMONT, GA 30527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.84% |
| JOHN B ALLEN III | 140 AZURE BAY COURT CHAPIN, SC 29036 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.84% |
| TERRIE N ALLISON | 1071 STANSEL RD CLEVELAND, GA 30528 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.72% |
| DEREK B DAVIS | 2649 OCEAN HWY N SHALLOTTE, NC 28470 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.70% |
| DAVID H JEFFORDS | PO BOX 14132 FLORENCE, SC 29504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 0.62% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS L BROWN II | 3040 HWY 76 E SUITE C MULLINS, SC 29574 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.55% |
| RONALD E KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.46% |
| CHARLES F GREER | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.32% |
| KATHLEEN T BENES | 158 EDGEWATER TRAIL CANTON, GA 30115 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33 | — | $33 | 0.30% |
| JUSTIN M GUIDI | 1039 44TH AVENUE N. SUITE 101 MYRTLE BEACH, SC 29577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.24% |
| JOHN P KOWN II | 1275 SHILOH ROAD NW KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.18% |
| WILLIAM WARDLAW JR | 187 S CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.15% |
| LAVADA LYNN SCARLETT Filed as: LAVADA L SCARLETT | 3619 SHADY OAK TRAIL GAINESVILLE, GA 30506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.14% |
| JOHN D TYLER | 2131 KILEY WAY EDMOND, OK 73034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.10% |
| RICHARD SMITHSON | 2000 BROOKE FOREST CT ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.10% |
| DAYTON LLC | 221 SERENITY DR PICKENS, SC 29671 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.09% |
| SCOTT A SMITH | 5300 OAKBROOK PARKWAY NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.09% |
| JAMES D DUDLEY | 3061 EDGEWOOD CT COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.08% |
| GARY W JOHNSON | 123 PARK CENTER DRIVE KNOXVILLE, TN 37922 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| MARIA RADCLIFFE Filed as: MARIA K RADCLIFFE | 3317 GREEN FARM TRAIL DACULA, GA 30019 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| LEE R MCGRAW | 9722 FALLVIEW CT VILLA RICA, GA 30180 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.04% |
| HELEN DIANE BORDER | PO BOX 711 WATKINSVILLE, GA 30677 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| SHARON HALL | P.O. BOX 1857 DAWSONVILLE, GA 30534 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| JEFFREY M SINTAY | 1972 ALCOVA RIDGE DR LAS VEGAS, NV 89135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 266 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | 520 | $3.5M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA | 520 | $3.5M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 448 | $141K |
| Short-term disability(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 448 | $164K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 448 | $141K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 448 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.
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.