| 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 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77K | $0 | $77K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $1K | $27K | 5.26% |
| MOULTON AND HARDIN, INC.3 Filed as: MOULTON & HARDIN, INC. | PO BOX 72207 ALBANY, GA 31708 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 6.45% |
| A2 HOLDINGS, LLC3 Filed as: A2 HOLDINGS LLC | 887 WEST MARIETTA STREET NW SUITE N108 ATLANTA, GA 30318 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $148 | $13K | 4.43% |
| INSURE FORWARD INC3 Filed as: INSURE LOGIC INC. | PO BOX 5786 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $29K | $0 | $29K | 22.54% |
| CBAN CUSTOMER SYNERGY, LLC3 Filed as: CBAN CUSTOMER SYNERGY LLC | 325 DEERWOOD DRIVE MACON, GA 31220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $12K | $0 | $12K | 8.86% |
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 | 454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 966 | $292K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 966 | $292K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 454 | $511K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 454 | $511K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 454 | $511K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 454 | $641K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 966 | — |
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.