| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN, INC. | 394 SOUTH MILLEDGE AVENUE SUITE 103 ATHENS, GA 30605 | CIGNA HEALTHCARE AND LIFE INSURANCE COMPANY | $0 | $81K | $81K | 49.96% |
| DAVID H. HARDIN3 | 1408 WEST THIRD AVENUE ALBANY, GA 31702 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 11.70% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN, INC. | PO BOX 2260 ALBANY, GA 31702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 11.33% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTHCARE AND LIFE INSURANCE COMPANY | 155 | $162K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $132K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $132K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $132K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 164 | $30K |
| Prescription drug | CIGNA HEALTHCARE AND LIFE INSURANCE COMPANY | 155 | $162K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 205 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.