| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE COCHRAN AGENCY3 Filed as: THE COCHRAN AGENCY INC. | P.O. BOX 1939 CLEVELAND, GA 30528 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. (1) | $49K | — | $49K | 5.62% |
| THE COCHRAN AGENCY3 Filed as: THE COCHRAN AGENCY INC | P.O. BOX 1939 CLEVELAND, GA 30528 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $14K | — | $14K | 11.54% |
| ERIS VENTURES LLC3 | 931 MONROE DRIVE ATLANTA, GA 30308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $9K | $2K | $11K | 8.80% |
| KLINGBEIL AND ASSOCIATES INC3 | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $2K | $2K | $3K | 2.70% |
| PLM SOLUTIONS INC3 Filed as: PLM SOLUTIONS | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $2K | $436 | $2K | 1.88% |
| SANTE CONCEPTS INC3 | P.O. BOX 723533 ATLANTA, GA 31139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $2K | $292 | $2K | 1.76% |
| MITCHELL HECTOR MORALES3 | P.O. BOX 2532 NORCROSS, GA 30091 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $1K | $223 | $2K | 1.23% |
| CORY RODGERS3 | 180 ALLEN RD ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $844 | — | $844 | 0.68% |
| VINSON K ELLENBERG3 | 905 ADAIR AVE NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $651 | $70 | $721 | 0.58% |
| R J K & ASSOCIATES INC3 | 777 DREWRY ST NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $70 | $88 | $158 | 0.13% |
| B V STONE INC3 | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $125 | — | $125 | 0.10% |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGES LANE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $45 | $76 | $121 | 0.10% |
| ORLANDO L VARGAS3 | 10388 ROYAL TERRACE ALPHARETTA, GA 30326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $74 | — | $74 | 0.06% |
| CRAIG ALEXANDER MILLER3 | 2037 POWERS FERRY RD SE MARIETTA, GA 30067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $24 | $43 | $67 | 0.05% |
| DANIEL HALL3 | P.O. BOX 567081 ATLANTA, GA 31156 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $29 | $1 | $30 | 0.02% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $21 | $9 | $30 | 0.02% |
| JUDITH C BARKSDALE3 | 6833 GLENLAKE PARKWAY SANDY SPRINGS, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | $27 | $2 | $29 | 0.02% |
| THE COCHRAN AGENCY3 | P.O. BOX 1939 CLEVELAND, GA 30528 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. (2) | $5K | — | $5K | 5.00% |
| THE COCHRAN AGENCY3 Filed as: THE COCHRAN AGENCY INC | P.O. BOX 1939 CLEVELAND, GA 30528 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $9K | — | $9K | 11.78% |
| ERIS VENTURES LLC3 | 931 MONROE DRIVE ATLANTA, GA 30308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $5K | $960 | $6K | 7.67% |
| KLINGBEIL AND ASSOCIATES INC3 | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $769 | $753 | $2K | 2.04% |
| VINSON K ELLENBERG3 | 905 ADAIR AVE NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $1K | $142 | $1K | 1.95% |
| B V STONE INC3 | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $1K | $351 | $1K | 1.93% |
| PLM SOLUTIONS INC3 Filed as: PLM SOLUTIONS | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $1K | $232 | $1K | 1.67% |
| MITCHELL HECTOR MORALES3 | P.O. BOX 2532 NORCROSS, GA 30091 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $946 | $162 | $1K | 1.48% |
| CORY RODGERS3 | 180 ALLEN RD ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $454 | — | $454 | 0.61% |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGES LANE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $45 | $76 | $121 | 0.16% |
| CRAIG ALEXANDER MILLER3 | 2037 POWERS FERRY RD SE MARIETTA, GA 30067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $31 | $54 | $85 | 0.11% |
| R J K & ASSOCIATES INC3 | 777 DREWRY ST NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $37 | $47 | $84 | 0.11% |
| JUDITH C BARKSDALE3 | 6833 GLENLAKE PARKWAY SANDY SPRINGS, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $62 | $5 | $67 | 0.09% |
| ORLANDO L VARGAS3 | 10388 ROYAL TERRACE ALPHARETTA, GA 30326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $26 | — | $26 | 0.03% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $15 | $7 | $22 | 0.03% |
| DANIEL HALL3 | P.O. BOX 567081 ATLANTA, GA 31156 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $14 | — | $14 | 0.02% |
| SANTE CONCEPTS INC3 | P.O. BOX 723533 ATLANTA, GA 31139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (3) | $1 | — | $1 | 0.00% |
| THE COCHRAN AGENCY3 Filed as: THE COCHRAN AGENCY INC | P.O. BOX 1939 CLEVELAND, GA 30528 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $6K | — | $6K | 12.03% |
| ERIS VENTURES LLC3 | 931 MONROE DRIVE ATLANTA, GA 30308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $4K | $770 | $5K | 8.48% |
| KLINGBEIL AND ASSOCIATES INC3 | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $655 | $712 | $1K | 2.54% |
| MITCHELL HECTOR MORALES3 | P.O. BOX 2532 NORCROSS, GA 30091 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $994 | $170 | $1K | 2.16% |
| PLM SOLUTIONS INC3 Filed as: PLM SOLUTIONS | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $868 | $214 | $1K | 2.01% |
| VINSON K ELLENBERG3 | 905 ADAIR AVE NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $602 | $65 | $667 | 1.24% |
| SANTE CONCEPTS INC3 | P.O. BOX 723533 ATLANTA, GA 31139 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $529 | $82 | $611 | 1.13% |
| CORY RODGERS3 | 180 ALLEN RD ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $279 | — | $279 | 0.52% |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGES LANE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $71 | $119 | $190 | 0.35% |
| CRAIG ALEXANDER MILLER3 | 2037 POWERS FERRY RD SE MARIETTA, GA 30067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $37 | $65 | $102 | 0.19% |
| R J K & ASSOCIATES INC3 | 777 DREWRY ST NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $35 | $44 | $79 | 0.15% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $34 | $15 | $49 | 0.09% |
| ORLANDO L VARGAS3 | 10388 ROYAL TERRACE ALPHARETTA, GA 30326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $48 | — | $48 | 0.09% |
| B V STONE INC3 | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $39 | — | $39 | 0.07% |
| DANIEL HALL3 | P.O. BOX 567081 ATLANTA, GA 31156 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $24 | $1 | $25 | 0.05% |
| JUDITH C BARKSDALE3 | 6833 GLENLAKE PARKWAY SANDY SPRINGS, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $18 | $1 | $19 | 0.04% |
| ROBERT LEE SMITH ESTATE3 | 3160 THRASHER CIRCLE DECATUR, GA 30032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (1) | $18 | — | $18 | 0.03% |
| THE COCHRAN AGENCY3 Filed as: THE COCHRAN AGENCY INC. | P.O. BOX 1939 CLEVELAND, GA 30528 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (2) | $7K | — | $7K | 15.00% |
| THE COCHRAN AGENCY3 Filed as: THE COCHRAN AGENCY INC | P.O. BOX 1939 CLEVELAND, GA 30528 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (1) | $5K | — | $5K | 15.00% |
| THE COCHRAN AGENCY3 Filed as: THE COCHRAN AGENCY INC. | P.O. BOX 1939 CLEVELAND, GA 30528 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. (1) | — | — | $0 | 0.00% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. (1) | 158 | $871K |
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. (2) | 145 | $97K |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. (1) | 132 | $9K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY (2) | 124 | $253K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (1) | 128 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY (2) | 128 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
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.