| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE5 | 345 N RIVERVIEW STE 600 WICHITA, KS 67203 | AMERICAN NATIONAL INSURANCE COMPANY | — | $48K | $48K | 23.67% |
| EMTT INC3 Filed as: EMTT | PO BOX 190 VALDOSTA, GA 31603 | AMERICAN NATIONAL INSURANCE COMPANY | $37K | — | $37K | 18.16% |
| HEALTH PLAN SERVICES INSURANCE AGEN3 Filed as: HEALTH PLAN SERVICES INS. AGENCY | 6700 LAKEVIEW CENTER DR TAMPA, FL 33619 | AMERICAN NATIONAL INSURANCE COMPANY | $9K | — | $9K | 4.54% |
| FIRST HEALTH4 Filed as: FIRST HEALTH GROUP CORP | 23291 NETWORK PLACE CHICAGO, IL 606731232 | AMERICAN NATIONAL INSURANCE COMPANY | — | $5K | $5K | 2.34% |
| LOWNDES COUNTY CHAMBER OF COMMERCE3 | 416 N ASHLEY ST VALDOSTA, GA 31601 | AMERICAN NATIONAL INSURANCE COMPANY | $5K | — | $5K | 2.27% |
| CARE ADVOCATES4 | 345 N RIVERVIEW STE 600 WICHITA, KS 67203 | AMERICAN NATIONAL INSURANCE COMPANY | — | $837 | $837 | 0.41% |
| MEDCOM UTILIZATION MANAGEMENT4 | 2100 COVINGTON CENTRE COVINGTON, LA 70433 | AMERICAN NATIONAL INSURANCE COMPANY | — | $815 | $815 | 0.40% |
| EMTT INC3 | PO BOX 189 VALDOSTA, GA 316030189 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 10.00% |
| FRED THOMAS WILKINSON3 | 111D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $2K | $635 | $3K | 9.57% |
| KOCH INSURANCE INC3 Filed as: KOCH FNCL GRP LLC | STE 100 245 RIVERSIDE AVE JACKSONVILLE, FL 32202 | NORTHWESTERN MUTUAL | $435 | $52 | $487 | 1.66% |
| EMTT INC3 | PO BOX 189 VALDOSTA, GA 316030189 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| FRED THOMAS WILKINSON3 | 111D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $2K | $580 | $3K | 19.38% |
| KOCH INSURANCE INC3 Filed as: KOCH FNCL GRP LLC | 245 RIVERSIDE AVE STE 100 JACKSONVILLE, FL 32202 | NORTHWESTERN MUTUAL | $397 | $48 | $445 | 3.36% |
| EMTT INC3 Filed as: EMTT, INC DBA TAYLOR INSURANCE | 2000 NORTH PATTERSON ST VALDOSTA, GA 31602 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 14.59% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 202 | $34K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 118 | $11K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 105 | $18K |
| Short-term disability | NORTHWESTERN MUTUAL | 109 | $29K |
| Long-term disability | NORTHWESTERN MUTUAL | 27 | $13K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE COMPANY | 73 | $202K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 105 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.