| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMTT INC3 | PO BOX 189 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8K | — | $8K | 10.64% |
| AMH BENEFIT SOLUTIONS, LLC3 | 4181 GINGER TRL VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 4.38% |
| RJR BENEFIT SERVICES3 | 287 MOCCASIN TRL W JUPITER, FL 33458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.51% |
| TNS BROKERAGE SERVICES LLC3 | PO BOX 189 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 3.42% |
| KEEFE J. NEWTON3 | 248 CANTERBERRY PLACE STATESBORO, GA 30458 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.82% |
| TIMOTHY B. ROSE3 | 3205 KELSEE CIRCLE VALDOSTA, GA 31605 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.77% |
| WL HALL & ASSOCIATES INC3 | 2504 PEBBLEWOOD DR VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $835 | — | $835 | 1.17% |
| MICHAEL YEARBY3 | 2308 DUKES AVE VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $828 | — | $828 | 1.16% |
| 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 | $411 | — | $411 | 0.58% |
| HOWARD LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $345 | — | $345 | 0.48% |
| WILLIAM L. HALL3 | 2504 PEBBLEWOOD DR VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.04% |
| ILANA LABOW3 | 666 DUNDEE ROAD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ROY E TAYLOR3 | 4 FOX HOLLOW CIR VALDOSTA, GA 31602 | GUARDIAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 12.49% |
| EMTT INC3 Filed as: EMTT, INC. | 2000 N PATTERSON ST VALDOSTA, GA 31602 | NATIONWIDE INSURANCE | $12K | — | $12K | 26.76% |
| GILSBAR, LLC5 | PO BOX 998 COVINGTON, LA 70434 | NATIONWIDE INSURANCE | — | $5K | $5K | 10.56% |
| RESOLUTION REINSURANCE4 | 4408 FOREST DRIVE STE 202 COLUMBIA, SC 29206 | NATIONWIDE INSURANCE | — | $2K | $2K | 4.92% |
| ACCURISK SOLUTIONS, LLC3 | 10 SOUTH LASALLE ST CHICAGO, IL 60603 | NATIONWIDE INSURANCE | — | $1K | $1K | 2.31% |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS, INC. | 301 N MAIN ST STE 1020 WINSTON SALEM, NC 27101 | NATIONWIDE INSURANCE | $315 | — | $315 | 0.70% |
| FRED THOMAS WILKINSON3 | 111D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $2K | $623 | $3K | 8.41% |
| SALAZAR FNCL GRP LLC3 | STE 100 245 RIVERSIDE AVE JACKSONVILLE, FL 32202 | NORTHWESTERN MUTUAL | $494 | $59 | $553 | 1.50% |
| FRED THOMAS WILKINSON3 | 110D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $2K | $594 | $3K | 18.77% |
| SALAZAR FNCL GRP LLC3 | STE 100 245 RIVERSIDE AVE JACKSONVILLE, FL 32202 | NORTHWESTERN MUTUAL | $472 | $57 | $529 | 3.37% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE INSURANCE | 128 | $45K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 147 | $58K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 147 | $58K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 225 | $130K |
| Short-term disability | NORTHWESTERN MUTUAL | 135 | $37K |
| Long-term disability | NORTHWESTERN MUTUAL | 32 | $16K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 225 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.