| 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 | $88K | $100K | 5.71% |
| 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 | $3K | $0 | $3K | 7.75% |
| LYNN WARDLAW3 | 187 SOUTH CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.51% |
| JENNIFER T CARMAN3 | 1919 NOBLIN WOODS TRAIL DULUTH, GA 30097 | CONTINENTAL AMERICAN INSURANCE COMPANY | $715 | $0 | $715 | 1.79% |
| ALICIA CLIFTON3 | 3915 HUNTING RIDGE DRIVE LILBURN, GA 30047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $418 | $0 | $418 | 1.04% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 2110 CHARMARIE CT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $232 | $0 | $232 | 0.58% |
| SHIRLEY M LLOYD3 | 1176 ADAH CT LAWRENCEVILLE, GA 30043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $219 | $0 | $219 | 0.55% |
| WILLIAM M WARDLAW JR3 | 187 S CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | $0 | $180 | 0.45% |
| CHERYL ADAMS3 | 15 KRISTA CIRCLE SUITE D CANDLER, NC 28715 | CONTINENTAL AMERICAN INSURANCE COMPANY | $117 | $0 | $117 | 0.29% |
| ARNETTA CAMERON3 | 471 TWAIN CIRCLE SE MABLETON, GA 30126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $113 | $0 | $113 | 0.28% |
| BARTON W IRBY3 | 1762 BRISTOL FARMS COURT GRAYSON, GA 30017 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| ELINI NIKOLAS3 | 2110 CHARMARIE COURT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
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 | 361 | 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) | 361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 361 | $1.8M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 361 | $1.8M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 361 | $1.8M |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 361 | $1.8M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 94 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.