| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $66K | $4K | $70K | 12.81% |
| ASHFORD ADVISORS INC3 | ONE RAVINIA DRIVE SUITE 1750 ATLANTA, GA 30346 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $128 | — | $128 | 0.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 0.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 9.40% |
| RYAN E MCPHAIL3 | 206 ARBOR COURT CANTON, GA 30114 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $732 | — | $732 | 2.12% |
| STEVEN VERMAAK3 Filed as: STEVEN P VERMAAK | 2477 NORTH FOREST DRIVE MARIETTA, GA 30062 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $244 | — | $244 | 0.71% |
| ROBERT HESLEP3 Filed as: ROBERT L HESLEP | 6680 RIVER ISLAND CIRCLE BUFORD, GA 30518 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $176 | — | $176 | 0.51% |
| REX L BROOKS3 | P O BOX 893 FLORENCE, AL 35630 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 0.50% |
| STEPHANIE K NUCKOLLS3 | 284 KESWICK DRIVE CHATSWORTH, GA 30705 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $158 | — | $158 | 0.46% |
| SHANE R BROCKWELL3 | 3481 LAKESIDE DRIVE NE UNIT 3008 ATLANTA, GA 30326 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $148 | — | $148 | 0.43% |
| BRIAN D ELY3 | 1820 THE EXCHANGE SUITE 750 ATLANTA, GA 30339 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $115 | — | $115 | 0.33% |
| DAVID C CLOUD JR3 | 1301 SHILOH ROAD SUITE 1020 KENNESAW, GA 30144 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $88 | — | $88 | 0.25% |
| ROBERT L GOBLE3 | 6087 CITY WALK LANE SANDY SPRINGS, GA 30328 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.21% |
| ELENIA A KRAUSE3 | 2210 CHARMARIE CT MARIETTA, GA 30062 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.19% |
| WILLIAM M WARDLAW JR3 | 268 WEST PIKE STREET SUITE 207 LAWRENCEVILLE, GA 30046 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.18% |
| BLAKE A THOMAS JR3 | 435 CHANTANY PLACE JOHNS CREEK, GA 30022 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.16% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN R JOHNSON | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $57 | — | $57 | 0.16% |
| RHONDA YABROW BENEFIT BUILDERS INC3 Filed as: RHONDA YABROW | 1325 WHITLOCK AVENUE MARIETTA, GA 30064 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.15% |
| RONALD S SANDERS3 | P O BOX 361 WHITE, GA 30184 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.12% |
| JOHN MANN JR3 Filed as: JOHN FRANK MANN JR | 3417 HICKORY WOODS TRAIL MARIETTA, GA 30066 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.09% |
| ALEX B WARD3 | 5194 FOREST VIEW COURT MABLETON, GA 30126 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| AMY A O SHIELDS3 Filed as: AMY A O'SHIELDS | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| CHARLES S MADISON3 Filed as: CHARLES MADISON | 6110 CEDARCREST ROAD NE SUITE 350-249 ACWORTH, GA 30101 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| TARRAH SMITHSON3 | 2000 BROOKE FOREST COURT ALPHARETTA, GA 30022 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.03% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD M TIDWELL | P O BOX 1801 CUMMING, GA 30028 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| RYAN E MCPHAIL3 | 3046 WOODBRIDGE LANE CANTON, GA 30114 | 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% |
| MICHAEL LEROY COY3 Filed as: MICHAEL L COY | 217 ABBEY GLEN WAY NW KENNESAW, GA 30144 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 2219 MCCAHILL CT BUFORD, GA 30519 | CONTINENENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER BROKER | Insurance agents and brokers; Insurance services Service code 22 | 2405 SATELLITE BOULEVARD SUITE 200 DULUTH, GA 30096 | $64K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 PLAN ADMIN | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Named fiduciary; Plan Administrator; Non-monetary compensation; Claims processing Service code 12 | — | $41K |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $349K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $548K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $548K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $548K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $548K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 220 | $548K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $582K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.