| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOULTON AND HARDIN, INC.3 | PO BOX 2260 ALBANY, GA 31702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $0 | $59K | 15.10% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $15K | $35K | 8.87% |
| MOULTON AND HARDIN, INC.3 | PO BOX 72207 ALBANY, GA 31708 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 5.08% |
| A2 HOLDINGS, LLC3 | 887 MARIETTA STREET NW, SUITE N108 ATLANTA, GA 30318 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $40 | $9K | 3.20% |
| INSURE FORWARD INC3 Filed as: INSURE LOGIC, INC. | PO BOX 5786 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | $0 | $16K | 28.59% |
| CBAN CUSTOMER SYNERGY, LLC3 | 435 SECOND STREET, SUITE 150 MACON, GA 31201 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.26% |
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 | 478 | 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) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,048 | $283K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,048 | $283K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 478 | $389K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 478 | $389K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 478 | $389K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 478 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,048 | — |
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.