| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN, INC. | PO BOX 2260 ALBANY, GA 31702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $52K | $14K | $66K | 19.21% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN, INC. | 1408 WEST THIRD AVENUE ALBANY, GA 31707 | COMPANION LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.51% |
| A2 HOLDINGS, LLC3 | 887 WEST MARIETTA STREET NW SUITE N108 ATLANTA, GA 30318 | COMPANION LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.51% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | COMPANION LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.51% |
| INSURE FORWARD INC3 Filed as: INSURE LOGIC, INC. | PO BOX 5786 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13K | $0 | $13K | 8.89% |
| CBAN CUSTOMER SYNERGY, LLC3 | 325 DEERWOOD DRIVE MACON, GA 31220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.44% |
| JANE W BARNHILL3 Filed as: JANE A. WHITE | 106 7TH STREET NORTH, SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $945 | $0 | $945 | 0.66% |
| BRYAN HANKS3 | 1104 NORTH PATTERSON STREET VALDOSTA, GA 31601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $136 | $0 | $136 | 0.09% |
| HG CONSULTING GROUP LLC3 | 326 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $68 | $0 | $68 | 0.05% |
| WILLIAM HAROLD OWENS3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | $0 | $52 | 0.04% |
| SUSAN B. WRIGHT3 | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | $0 | $46 | 0.03% |
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 | 457 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE COMPANY | 339 | $243K |
| Vision | COMPANION LIFE INSURANCE COMPANY | 339 | $243K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $345K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $345K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $345K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $489K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.