| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JRP AGENCY LLC3 | 6287 COOPER RD., NE VALDOSTA, GA 31605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $4K | $13K | 14.33% |
| PARKERZ INSURANCE LLC3 | 4676 SAN SABA DR. HAHIRA, GA 31632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10K | $2K | $12K | 13.28% |
| TIM R GOLDEN3 | 110 BEACON HI VALDOSTA, GA 31602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | — | $348 | 0.39% |
| GERALD L URSREY3 | 63 PLAYERS CLUB VILLAS RD PONTE VEDRA BEACH, FL 32082 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.88% |
| TJ OBRIEN AND ASSOCIATES, INC.3 | 1899 POWERS FERRY RD. SE STE 232 ATLANTA, GA 30339 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.00% |
| PARTNERS BENEFIT GROUP LLC3 | 1476 CARPENTER RD., S TIFTON, GA 31793 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 7.61% |
| PARTNERS BENEFIT GROUP LLC3 | 1476 CARPENTER RD TIFTON, GA 31793 | SUN LIFE ASSURANCE COMPANY OF CANADA | $479 | — | $479 | 10.23% |
| PARTNERS BENEFIT GROUP LLC3 | 2040 CLAYBURN DR. CUMMING, GA 30040 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $67 | $67 | 1.43% |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDISON HEALTH SOLUTIONS, LLC | 68 | $360K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $37K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 64 | $5K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 175 | $143K |
| Other(3 contracts, 3 carriers) | EDISON HEALTH SOLUTIONS, LLC | 68 | $454K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.