| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN INC. | PO BOX 72207 ALBANY, GA 31708 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $60K | $0 | $60K | 3.30% |
| A2 HOLDINGS, LLC3 Filed as: A2 HOLDINGS LLC | 887 WEST MARIETTA STREET STUDIO N108 ATLANTA, GA 30318 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $45K | $0 | $45K | 2.44% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN INC. | PO BOX 2260 ALBANY, GA 31702 | STANDARD INSURANCE COMPANY | $41K | $2K | $44K | 10.33% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN INC. | PO BOX 2260 ALBANY, GA 31702 | HARTFORD LIFE AND ACCIDENT | $20K | $0 | $20K | 15.02% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN INC. | 1408 WEST THIRD AVENUE ALBANY, GA 31702 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 19.29% |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 375 | $1.8M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 375 | $1.8M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 375 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 381 | $560K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 381 | $560K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 381 | $560K |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 375 | $1.8M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 381 | $610K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.