| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MCCART GROUP INC3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $47K | — | $47K | 4.70% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 12.13% |
| ASHFORD ADVISORS INC3 | ONE RAVINIA DRIVE SUITE 1750 ATLANTA, GA 30346 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $125 | $125 | 0.03% |
| THE MCCART GROUP INC3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 5.53% |
| RYAN E MCPHAIL3 | 3046 WOODBRIDGE LANE CANTON, GA 30114 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.09% |
| STEVEN VERMAAK3 Filed as: STEVEN P VERMAAK | 2477 NORTH FOREST DRIVE MARIETTA, GA 30062 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $321 | — | $321 | 0.91% |
| ROBERT HESLEP3 Filed as: ROBERT L HESLEP | 6680 RIVER ISLAND CIRCLE BUFORD, GA 30518 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $317 | — | $317 | 0.89% |
| REX L BROOKS3 | P O BOX 893 FLORENCE, AL 35630 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $230 | — | $230 | 0.65% |
| STEPHANIE K NUCKOLLS3 | 284 KESWICK DRIVE CHATSWORTH, GA 30705 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $210 | — | $210 | 0.59% |
| SHANE R BROCKWELL3 | 3481 LAKESIDE DRIVE NE UNIT 3008 ATLANTA, GA 30326 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $187 | — | $187 | 0.53% |
| ROBERT L GOBLE3 | 6087 CITY WALK LANE SANDY SPRINGS, GA 30328 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $151 | — | $151 | 0.43% |
| BRIAN D ELY3 | 1820 THE EXCHANGE SUITE 750 ATLANTA, GA 30339 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $150 | — | $150 | 0.42% |
| DAVID C CLOUD JR3 | 1301 SHILOH ROAD SUITE 1020 KENNESAW, GA 30144 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $118 | — | $118 | 0.33% |
| RONALD S SANDERS3 | P O BOX 361 WHITE, GA 30184 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.27% |
| WILLIAM M WARDLAW JR3 | 268 WEST PIKE STREET SUITE 207 LAWRENCEVILLE, GA 30046 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.23% |
| BLAKE A THOMAS JR3 | 435 CHANTANY PLACE JOHNS CREEK, GA 30022 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.22% |
| RHONDA YABROW BENEFIT BUILDERS INC3 Filed as: RHONDA YABROW | 1325 WHITLOCK AVENUE MARIETTA, GA 30064 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $71 | — | $71 | 0.20% |
| JOHN MANN JR3 Filed as: JOHN FRANK MANN JR | 3417 HICKORY WOODS TRAIL MARIETTA, GA 30066 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.13% |
| ELENIA A KRAUSE3 | 2110 CHARMARIE CT MARIETTA, GA 30062 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.07% |
| ALEX B WARD3 | 5194 FOREST VIEW COURT MABLETON, GA 30126 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.06% |
| AMY A O SHIELDS3 Filed as: AMY A O'SHIELDS | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.05% |
| CHARLES S MADISON3 Filed as: CHARLES MADISON | 6110 CEDARCREST ROAD NE SUITE 350-249 ACWORTH, GA 30101 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $15 | — | $15 | 0.04% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN R JOHNSON | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| RYAN E MCPHAIL3 | 206 ARBOR COURT CANTON, GA 30114 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD M TIDWELL | P O BOX 1801 CUMMING, GA 30028 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| TARRAH SMITHSON3 | 2000 BROOKE FOREST COURT ALPHARETTA, GA 30022 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| STEVEN VORDERLANDWEHR3 | 2219 MCCAHILL CT BUFORD, GA 30519 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.02% |
| MICHAEL LEROY COY3 Filed as: MICHAEL L COY | 217 ABBEY GLEN WAY NW KENNESAW, GA 30144 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ANA M GARCIA SMITH3 | 498 E KING ROAD NALVERNILLE, PA 19355 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ESMERELDA LUCAS3 | 2900 GRANGE HILL WAY CUMMING, GA 30041 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 215 | $989K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $485K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $485K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $485K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $485K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $485K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 281 | $521K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.