| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE COCHRAN AGENCY3 Filed as: COCHRAN AGENCY, INC. | PO BOX 1939 CLEVELAND, GA 30528 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 0.45% |
| HG CONSULTING GROUP LLC3 | 236 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | ALLSTATE | $13K | — | $13K | 5.61% |
| TRAVIS J MILLER3 | 110 EVANS MILL DR. STE 703 DALLAS, GA 30157 | ALLSTATE | $8K | — | $8K | 3.37% |
| THE COCHRAN AGENCY3 | P O BOX 1939 CLEVELAND, GA 30528 | ALLSTATE | $5K | — | $5K | 2.25% |
| VIRGINIA E HEMMER3 | 3945 REYNOLDS ROAD GAINESVILLE, GA 30507 | GUARDIAN | $6K | — | $6K | 11.25% |
| MARK J MOORHEAD3 | 950 RUPLEY DR ATLANTA, GA 30306 | GUARDIAN | $2K | — | $2K | 3.75% |
| HG CONSULTING GROUP LLC Filed as: HG CONSULTING GROUP | 236 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | ALLSTATE | $3K | — | $3K | 22.52% |
| THE COCHRAN AGENCY3 | P.O. BOX 1939 CLEVELAND, GA 30528 | ALLSTATE | $1K | — | $1K | 8.81% |
| TRAVIS J MILLER3 | 110 EVANS MILL DR. SUITE 703 DALLAS, GA 30157 | ALLSTATE | $531 | — | $531 | 4.47% |
| HG CONSULTING GROUP LLC3 Filed as: HG CONSULTING GROUP | 236 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | ALLSTATE | $3K | — | $3K | 32.76% |
| THE COCHRAN AGENCY3 | P.O. BOX 1939 CLEVELAND, GA 30528 | ALLSTATE | $1K | — | $1K | 12.68% |
| TRAVIS J MILLER3 | 110 EVANS MILL DR. SUITE 703 DALLAS, GA 30157 | ALLSTATE | $972 | — | $972 | 10.48% |
| HG CONSULTING GROUP LLC3 | 236 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | ALLSTATE | $2K | — | $2K | 33.56% |
| THE COCHRAN AGENCY3 | P.O. BOX 1939 CLEVELAND, GA 30528 | ALLSTATE | $578 | — | $578 | 11.62% |
| TRAVIS J MILLER3 | 110 EVANS MILL DR. SUITE 703 DALLAS, GA 30157 | ALLSTATE | $515 | — | $515 | 10.36% |
| HG CONSULTING GROUP LLC3 Filed as: HG CONSULTING GROUP | 236 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | ALLSTATE | $2K | — | $2K | 32.32% |
| THE COCHRAN AGENCY3 | P.O. BOX 1939 CLEVELAND, GA 30528 | ALLSTATE | $630 | — | $630 | 12.90% |
| TRAVIS J MILLER3 | 110 EVANS MILL DR. SUITE 703 DALLAS, GA 30157 | ALLSTATE | $509 | — | $509 | 10.43% |
| HG CONSULTING GROUP LLC3 Filed as: HG CONSULTING GROUP | 236 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | ALLSTATE | $925 | — | $925 | 22.34% |
| THE COCHRAN AGENCY3 | P.O. BOX 1939 CLEVELAND, GA 30528 | ALLSTATE | $304 | — | $304 | 7.34% |
| TRAVIS J MILLER3 | 110 EVANS MILL DR. SUITE 703 DALLAS, GA 30157 | ALLSTATE | $170 | — | $170 | 4.11% |
| HG CONSULTING GROUP LLC3 Filed as: HG CONSULTING GROUP | 236 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | ALLSTATE | $761 | — | $761 | 30.72% |
| THE COCHRAN AGENCY3 | P.O. BOX 1939 CLEVELAND, GA 30528 | ALLSTATE | $267 | — | $267 | 10.78% |
| TRAVIS J MILLER3 | 110 EVANS MILL DR. SUITE 703 DALLAS, GA 30157 | ALLSTATE | $234 | — | $234 | 9.45% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COCHRAN AGENCY, INC. EIN 58-1831178 NONE | Insurance agents and brokers Service code 22 | PO BOX 1939 CLEVELAND, GA 30528 | $72K |
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 | 183 | 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) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 284 | $1.5M |
| Dental | AETNA LIFE INSURANCE CO. | 284 | $1.5M |
| Vision | AETNA LIFE INSURANCE CO. | 284 | $1.5M |
| Life insurance | ALLSTATE | 261 | $231K |
| Long-term disability | GUARDIAN | 123 | $51K |
| Other(6 contracts) | ALLSTATE | 41 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.