| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN | 1406 W 3RD AVE ALBANY, GA 31707 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | $58K | $69K | 5.68% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN | P.O. BOX 2260 ALBANY, GA 31702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.38% |
| JFM MANAGEMENT3 | P.O. BOX 916 GAINESVILLE, GA 30503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 7.38% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN | P.O. BOX 2260 ALBANY, GA 31702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 21.47% |
| JEM MANAGEMENT3 | P.O. BOX 916 GAINESVILLE, GA 30503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 21.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY EIN 01-0278678 STD ADMIN | Claims processing; Contract Administrator Service code 12 | — | $11K |
| JEM MANAGEMENT EIN 58-2576462 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 320 | 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) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 320 | $1.2M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $41K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $19K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 320 | $1.2M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 252 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.