| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEDOVA HEALTHCARE5 | 8200 E THORNE DRIVE, SUITE 1000 WICHITA, KS 67226 | COMPANION LIFE INSURANCE COMPANY | $0 | $57K | $57K | 23.71% |
| TAYLOR INSURANCE, INC.3 Filed as: TAYLOR INSURANCE | PO BOX 190 VALDOSTA, GA 31603 | COMPANION LIFE INSURANCE COMPANY | $47K | — | $47K | 19.70% |
| PHCS4 Filed as: MULTI-PLAN INC - PCHS | PO BOX 29380 NEW YORK, NY 100879380 | COMPANION LIFE INSURANCE COMPANY | — | $13K | $13K | 5.31% |
| HEALTH PLAN SERVICES INSURANCE AGEN3 Filed as: HEALTH PLAN SVCS INSURANCE AGENCY | 6700 LAKEVIEW CENTER DR TAMPA, FL 33619 | COMPANION LIFE INSURANCE COMPANY | $11K | — | $11K | 4.62% |
| LOWNDES COUNTY CHAMBER OF COMMERCE3 | 416 N ASHLEY ST VALDOSTA, GA 31601 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 2.31% |
| CARE ADVOCATES4 | 8300 E THORN DRIVE, SUITE 300 WICHITA, KS 67226 | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 0.96% |
| FIRST HEALTH4 Filed as: FIRST HEALTH GROUP CORP | 23291 NETWORK PLACE CHICAGO, IL 606731232 | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 0.55% |
| EMTT INC3 Filed as: EMTT, INC. | 2000 N PATTERSON ST VALDOSTA, GA 31602 | NATIONWIDE INSURANCE | $10K | $0 | $10K | 18.42% |
| GILSBAR, LLC5 | PO BOX 998 COVINGTON, LA 70434 | NATIONWIDE INSURANCE | — | $4K | $4K | 7.27% |
| RESOLUTION REINSURANCE4 Filed as: RESOLUTION REINSURANCE INTERMEDIARI | 4408 FOREST DRIVE STE 202 COLUMBIA, SC 29206 | NATIONWIDE INSURANCE | — | $3K | $3K | 5.02% |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS, INC. | 301 N MAIN ST STE 1020 WINSTON SALEM, NC 27101 | NATIONWIDE INSURANCE | $264 | $0 | $264 | 0.48% |
| ROY E TAYLOR3 | 4 FOX HOLLOW CIR VALDOSTA, GA 31602 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS, INC | 900 ASHWOOD PARKWAY ATLANTA, GA 30338 | GUARDIAN LIFE INSURANCE COMPANY | $186 | $0 | $186 | 0.38% |
| EMTT INC3 | PO BOX 189 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 11.59% |
| RJR BENEFIT SERVICES3 | 287 MOCCASIN TRL W JUPITER, FL 33458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.36% |
| ROSE TIMOTHY BERNARD3 | 3880 HEATHER WAY VALDOSTA, GA 31605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.58% |
| TNS BROKERAGE SERVICES LLC3 | PO BOX 189 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.39% |
| HARRIS ARICA3 | 4181 GINGER TRL VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.79% |
| NEWTON JOSEPH KEEFE3 | 248 CANTERBERRY PLACE STATESBORO, GA 30458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $624 | $0 | $624 | 1.34% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 887 W MARIETTA ST STUDIO N108 ATLANTA, GA 30318 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $302 | $0 | $302 | 0.65% |
| LABOW MAIA3 Filed as: LABOW HOWARD B | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $253 | $0 | $253 | 0.54% |
| WL HALL & ASSOCIATES INC3 Filed as: HALL WILLIAM LUSH | 4783 SAN SABA DRIVE HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $170 | $0 | $170 | 0.37% |
| WL HALL & ASSOCIATES INC3 | 4783 SAN SABA DRIVE HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | $0 | $88 | 0.19% |
| LABOW MAIA3 Filed as: LABOW ILANA | 666 DUNDEE ST STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| FRED THOMAS WILKINSON3 | 111D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $2K | $524 | $3K | 9.64% |
| SALAZAR FNCL GRP LLC3 | STE 100 245 RIVERSIDE AVE JACKSONVILLE, FL 32202 | NORTHWESTERN MUTUAL | $416 | $50 | $466 | 1.72% |
| FRED THOMAS WILKINSON3 | 110D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $2K | $413 | $2K | 18.78% |
| SALAZAR FNCL GRP LLC3 | STE 100 245 RIVERSIDE AVE JACKSONVILLE, FL 32202 | NORTHWESTERN MUTUAL | $328 | $39 | $367 | 3.36% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 139 | $49K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 139 | $49K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 139 | $96K |
| Short-term disability | NORTHWESTERN MUTUAL | 154 | $27K |
| Long-term disability | NORTHWESTERN MUTUAL | 29 | $11K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 87 | $239K |
| Other(3 contracts, 3 carriers) | NATIONWIDE INSURANCE | 139 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.