| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCART GROUP INC3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $139K | $140K | 4.82% |
| THE MCCART GROUP INC3 Filed as: MCCART INSURANCE AND RISK MGMT | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | $22K | — | $22K | 9.91% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $2K | $14K | 11.38% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $917 | $7K | 11.51% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $278 | $2K | 11.55% |
| BLAKE A THOMAS JR3 | 435 CHANTANAY PLACE JOHNS CREEK, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $725 | — | $725 | 12.31% |
| THE MCCART GROUP INC3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | CONTINENTAL AMERICAN INSURANCE COMPANY | $499 | — | $499 | 8.47% |
| ROBERT HESLEP3 Filed as: ROBERT L HESLEP | 6680 RIVER ISLAND BUFORD, GA 30518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $206 | — | $206 | 3.50% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 2110 CHARMARIE COURT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | — | $130 | 2.21% |
| RYAN E MCPHAIL3 | 206 ARBOR COURT CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $122 | — | $122 | 2.07% |
| ROBERT L GOBLE3 | 6087 CITY WALK LANE SANDY SPRINGS, GA 30328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.93% |
| RONALD S SANDERS3 | 7402 KINGS RIVER COURT HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.51% |
| CHARLES S MADISON3 | 6110 CEDARCREST ROAD NE SUITE 350-249 ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.14% |
| AMY A O SHIELDS3 Filed as: AMY A O'SHIELDS | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.14% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN R JOHNSON | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.14% |
| STEVEN VORDERLANDWEHR3 | 2219 MCCAHILL COURT BUFORD, GA 30519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.14% |
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 | 501 | 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) | 501 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 501 | $3.1M |
| Dental | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 308 | $226K |
| Vision | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 308 | $226K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 501 | $138K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 501 | $61K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 501 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.