| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMTT INC3 | PO BOX 189 VALDOSTA, GA 31603 | ROSCOMMON INSURANCE COMPANY | $63K | — | $63K | 31.46% |
| VALDOSTA LOWNDES COUNTY CHAMBER OF0 | COMMERCE 416 N. ASHLEY ST. VALDOSTA, GA 31601 | ROSCOMMON INSURANCE COMPANY | — | $6K | $6K | 2.88% |
| EBSO, INC.5 Filed as: EBSO, INC | — | ROSCOMMON INSURANCE COMPANY | — | $534 | $534 | 0.27% |
| EMTT INC3 Filed as: EMTT, INC. | PO BOX 189 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $12K | — | $12K | 13.12% |
| AMH BENEFIT SOLUTIONS, LLC3 | 4181 GINGER TRL VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $7K | — | $7K | 7.42% |
| RJR BENEFIT SERVICES3 | 126 VIA ROSINA JUPITER, FL 33458 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $4K | — | $4K | 4.54% |
| TAWNEE ZUNIGA3 | — | AMERICAN HERITAGE LIFE INSURANE COMPANY | $4K | — | $4K | 3.96% |
| TNS BROKERAGE SERVICES LLC3 | PO BOX 189 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $3K | — | $3K | 3.26% |
| TIMOTHY B. ROSE3 | 2021 MONTROSE AVE STE A MONTROSE, CA 91020 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $3K | — | $3K | 3.09% |
| SALTER, JAMES F3 Filed as: SALTER WEALTH MANAGEMENT, LLC | — | AMERICAN HERITAGE LIFE INSURANE COMPANY | $2K | — | $2K | 2.12% |
| WL HALL & ASSOCIATES INC3 | 2504 PEBBLEWOOD DR VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $2K | — | $2K | 1.79% |
| JOSEPH KEEFE NEWTON3 | 248 CANTERBERRY PLACE STATESBORO, GA 30458 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $1K | — | $1K | 1.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 887 W. MARIETTA STREET STUDIO N108 ATLANTA, GA 30318 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $319 | — | $319 | 0.34% |
| HOWARD B LABOW3 Filed as: HOWARD B. LABOW | 666 DUNDEE RD. STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $262 | — | $262 | 0.28% |
| WILLIAM L. HALL3 | 2504 PEBBLEWOOD DRIVE VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $22 | — | $22 | 0.02% |
| ROBERT VEULEMAN3 | 5212 MAYCOMB AVE HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $15 | — | $15 | 0.02% |
| MICHAEL YEARBY3 | 2308 DUKES AVE VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANE COMPANY | $6 | — | $6 | 0.01% |
| 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 | $7K | — | $7K | 10.00% |
| FRED THOMAS WILKINSON3 | 111D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $3K | $794 | $4K | 7.95% |
| SALAZAR FNCL GRP LLC3 | 4345 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | NORTHWESTERN MUTUAL | $630 | $75 | $705 | 1.42% |
| EMTT INC3 Filed as: EMTT, INC. | 2000 N. PATTERSON ST. VALDOSTA, GA 31602 | NATIONWIDE INSURANCE | $13K | — | $13K | 26.76% |
| HEALTHCOMP5 | 2100 COVINGTON CTE. SUITE 8 COVINGTON, LA 70433 | NATIONWIDE INSURANCE | — | $5K | $5K | 10.57% |
| ACCURISK SOLUTIONS, LLC3 | 10 SOUTH LASALLE ST CHICAGO, IL 60603 | NATIONWIDE INSURANCE | — | $3K | $3K | 7.26% |
| WORKSITE BENEFIT SOLUTIONS INC3 Filed as: WORKSITE BENEFIT SOLUTIONS | 301 N. MAIN ST SUITE 1020 WINSTON SALEM, NC 27101 | NATIONWIDE INSURANCE | $331 | — | $331 | 0.70% |
| FRED THOMAS WILKINSON3 | 111D SOLANA RD PONTE VEDRA, FL 32082 | NORTHWESTERN MUTUAL | $3K | $684 | $3K | 19.21% |
| SALAZAR FNCL GRP LLC3 | 4345 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 32216 | NORTHWESTERN MUTUAL | $542 | $65 | $607 | 3.43% |
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. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ROSCOMMON INSURANCE COMPANY | 128 | $247K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 154 | $75K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 154 | $75K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANE COMPANY | 215 | $168K |
| Short-term disability | NORTHWESTERN MUTUAL | 154 | $50K |
| Long-term disability | NORTHWESTERN MUTUAL | 25 | $18K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANE COMPANY | 215 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.