| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS OF GA | 3483 SATELLITE BLVD SUITE 100 DULUTH, GA 30096 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | $95K | $108K | 5.58% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF GA | 901 NORTH BROAD STREET SUITE 200 ROME, GA 30161 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 9.36% |
| JENNIFER T CARMAN3 | 1919 NOBLIN WOODS TRAIL DULUTH, GA 30097 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 6.26% |
| SHIRLEY M LLOYD3 | 1176 ADAH CT LAWRENCEVILLE, GA 30043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $617 | $0 | $617 | 1.47% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 2110 CHARMARIE CT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $611 | $0 | $611 | 1.45% |
| ARNETTA CAMERON3 | 471 TWAIN CIRCLE SE MABLETON, GA 30126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | $0 | $292 | 0.70% |
| LYNN WARDLAW3 | 187 SOUTH CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $88 | $0 | $88 | 0.21% |
| ELINI NIKOLAS3 | 2110 CHARMARIE COURT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.07% |
| ALICIA CLIFTON3 | 3915 HUNTING RIDGE DRIVE LILBURN, GA 30047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.06% |
| CHERYL ADAMS3 | 15 KRISTA CIRCLE SUITE D CANDLER, NC 28715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.05% |
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 | 395 | 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) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 395 | $1.9M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 395 | $1.9M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 395 | $1.9M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 395 | $1.9M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 89 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.