| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: TAYLOR INSURANCE SERVICES | PO BOX 189 VALDOSTA, GA 31603 | ROSCOMMON INSURANCE COMPANY | $59K | — | $59K | 33.33% |
| VALDOSTA LOWNDES COUNTY CHAMBER OF0 | COMMERCE 416 N. ASHLEY ST. VALDOSTA, GA 31601 | ROSCOMMON INSURANCE COMPANY | — | $6K | $6K | 3.33% |
| EMTT INC3 Filed as: EMTT, INC. | PO BOX 189 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $10K | — | $10K | 10.99% |
| AMH BENEFIT SOLUTIONS, LLC3 | 4181 GINGER TRL VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $7K | — | $7K | 7.45% |
| TAWNEE ZUNIGA3 | — | AMERICAN HERITAGE LIFE INSURANE COMPANY | $4K | — | $4K | 3.92% |
| RJR BENEFIT SERVICES3 | 126 VIA ROSINA JUPITER, FL 33458 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $3K | — | $3K | 3.61% |
| TNS BROKERAGE SERVICES LLC3 | PO BOX 189 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $2K | — | $2K | 2.59% |
| WL HALL & ASSOCIATES INC3 | 2504 PEBBLEWOOD DR VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $2K | — | $2K | 1.78% |
| TIMOTHY B. ROSE3 | 2021 MONTROSE AVE STE A MONTROSE, CA 91020 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $972 | — | $972 | 1.08% |
| TALIA HANSEN3 | — | AMERICAN HERITAGE LIFE INSURANE COMPANY | $806 | — | $806 | 0.90% |
| TODD BURKE3 Filed as: TODD TILLMAN | — | AMERICAN HERITAGE LIFE INSURANE COMPANY | $304 | — | $304 | 0.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 505 NORTH BRAND BLVD 6TH FLOOR ATTN COMPLIANCE AND LICEN GLENDALE, CA 91203 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $274 | — | $274 | 0.31% |
| DAVID J MCCLELLAN3 Filed as: DAVID S CREGGER, JR. | — | AMERICAN HERITAGE LIFE INSURANE COMPANY | $236 | — | $236 | 0.26% |
| HOWARD B LABOW3 Filed as: HOWARD B. LABOW | 666 DUNDEE RD. STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $226 | — | $226 | 0.25% |
| JOSEPH KEEFE NEWTON3 | 248 CANTERBERRY PLACE STATESBORO, GA 30458 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $111 | — | $111 | 0.12% |
| SALTER, JAMES F3 Filed as: SALTER WEALTH MANAGEMENT, LLC | — | AMERICAN HERITAGE LIFE INSURANE COMPANY | $76 | — | $76 | 0.08% |
| WILLIAM L. HALL3 | 2504 PEBBLEWOOD DRIVE VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $20 | — | $20 | 0.02% |
| ROBERT VEULEMAN3 | 5212 MAYCOMB AVE HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $5 | — | $5 | 0.01% |
| MICHAEL YEARBY3 | 2308 DUKES AVE VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $2 | — | $2 | 0.00% |
| ILANA LABOW3 | 666 DUNDEE ST STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $1 | — | $1 | 0.00% |
| ROY E TAYLOR3 Filed as: ROY E. TAYLOR | 4 FOX HOLLOW CIR VALDOSTA, GA 31602 | GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| ZURICH AGENCY SERVICES0 Filed as: ZURICH AMERICAN INSURANCE COMPANY | — | ZURICH AMERICAN INSURANCE COMPANY | — | $15K | $15K | 24.21% |
| EMTT INC3 | — | ZURICH AMERICAN INSURANCE COMPANY | $12K | — | $12K | 20.21% |
| COVENANT ADMINISTRATORS LLC5 | — | ZURICH AMERICAN INSURANCE COMPANY | — | $4K | $4K | 6.72% |
| ACCURISK SOLUTIONS, LLC3 Filed as: ACCURISK SOLUTIONS LLC | — | ZURICH AMERICAN INSURANCE COMPANY | $4K | — | $4K | 6.39% |
| FRED THOMAS WILKINSON3 | 111D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $5K | $1K | $7K | 15.17% |
| SALAZAR FNCL GRP LLC3 | 4345 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | NORTHWESTERN MUTUAL | $1K | $131 | $1K | 2.71% |
| FRED THOMAS WILKINSON3 | 111D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $2K | $619 | $3K | 18.09% |
| SALAZAR FNCL GRP LLC3 | 4345 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | NORTHWESTERN MUTUAL | $491 | $58 | $549 | 3.23% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROSCOMMON INSURANCE COMPANY | 83 | $238K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 134 | $64K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 134 | $64K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANE COMPANY | 134 | $154K |
| Short-term disability | NORTHWESTERN MUTUAL | 142 | $45K |
| Long-term disability | NORTHWESTERN MUTUAL | 30 | $17K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANE COMPANY | 134 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
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.