| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMTT INC3 Filed as: EMTT INC. | C/O TAYLOR INSURANCE SERVICES PO BOX 190 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.33% |
| PETER CAUCCI3 | C/O TAYLOR INSURANCE SERVICES PO BOX 190 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.08% |
| W. ERIC TAYLOR3 | 152 ANTOINETTE AVE MCDONOUGH, GA 30252 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.25% |
| BENJAMIN ADAM GOFF3 | PO BOX 190 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $598 | $0 | $598 | 0.67% |
| TNS BROKERAGE SERVICES LLC3 Filed as: TNS BROKERAGE SERVICES INC. | C/O TAYLOR INSURANCE SERVICES PO BOX 190 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $510 | $0 | $510 | 0.57% |
| CYNTHIA CAUCCI3 | PO BOX 190 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $456 | $0 | $456 | 0.51% |
| WL HALL & ASSOCIATES INC3 Filed as: WL HALL & ASSOCIATES, INC. | 4783 SAN SABA DRIVE HAHIRA, GA 31632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $446 | $0 | $446 | 0.50% |
| JRC & ASSOCIATES LLC3 | PO BOX 190 VALDOSTA, GA 31603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $427 | $0 | $427 | 0.48% |
| GEORGE L BETROS3 | 2837 CARAWAY DRIVE TUCKER, GA 30084 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | $0 | $55 | 0.06% |
| JASON WAYNE LEE3 | 2000 N PATTERSON ST VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.02% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 230 | $89K |
| Long-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 230 | $89K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 230 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.