| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOULTON AND HARDIN, INC.3 | 394 SOUTH MILLEDGE AVENUE SUITE 103 ATHENS, GA 30605 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 5.84% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY, INC. | PO BOX 1049 LAGRANGE, GA 30241 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.65% |
| A2 HOLDINGS, LLC3 | 887 WEST MARIETTA STREET NW SUITE N108 ATLANTA, GA 30318 | METROPOLITAN LIFE INSURANCE COMPANY | $910 | $0 | $910 | 0.33% |
| MOULTON AND HARDIN, INC.3 | PO BOX 2260 ALBANY, GA 31702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $0 | $29K | 21.00% |
| MOULTON AND HARDIN, INC.5 | PO BOX 2260 ALBANY, GA 31702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| INSURE FORWARD INC3 Filed as: INSURE LOGIC, INC. | PO BOX 5786 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $0 | $14K | 12.33% |
| CBAN CUSTOMER SYNERGY, LLC3 | 325 DEERWOOD DRIVE MACON, GA 31220 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.80% |
| MOULTON AND HARDIN, INC.3 | PO BOX 2260 ALBANY, GA 31702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| MOULTON AND HARDIN, INC.5 | PO BOX 2260 ALBANY, GA 31702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| MOULTON AND HARDIN, INC.3 | PO BOX 2260 ALBANY, GA 31702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| MOULTON AND HARDIN, INC.5 | PO BOX 2260 ALBANY, GA 31702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
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 | 446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 448 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 935 | $277K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 935 | $277K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $194K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 253 | $76K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $61K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 446 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 935 | — |
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.