| 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 | $68K | $13K | $80K | 14.28% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS, INC. | ONE RAVINIA DRIVE SUITE 1750 ATLANTA, GA 30346 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $134 | $0 | $134 | 0.02% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD STE 200 DULUTH, GA 30096 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 5.91% |
| RYAN E MCPHAIL3 Filed as: RYAN MCPAHIL | 206 ARBOR CT CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $638 | $0 | $638 | 1.81% |
| STEVEN VERMAAK3 | 2477 NORTH FOREST DR MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $238 | $0 | $238 | 0.67% |
| REX L BROOKS3 Filed as: REX BROOKS | PO BOX 893 FLORENCE, AL 35630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | $0 | $160 | 0.45% |
| STEPHANIE K NUCKOLLS3 Filed as: STEPHANIE NUCKOLLS | 284 KESWICK DRIVE CHATSWORTH, GA 30705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | $0 | $149 | 0.42% |
| ROBERT HESLEP3 | 6680 RIVER ISLAND CIRCLE BUFORD, GA 30518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $144 | $0 | $144 | 0.41% |
| SHANE R BROCKWELL3 Filed as: SHANE BROCKWELL | 3481 LAKESIDE DR 3008 ATLANTA, GA 30326 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | $0 | $135 | 0.38% |
| BRIAN D ELY3 Filed as: BRIAN ELY | 1820 THE EXCHANGE SUITE 750 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | $0 | $111 | 0.31% |
| DAVID C CLOUD JR3 Filed as: DAVID CLOUD JR | 89 GEMSTONE LN ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | $0 | $80 | 0.23% |
| ROBERT GOBLE3 | 1410 4TH ST DRIVE UNIT 208 HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $60 | $0 | $60 | 0.17% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW | 368 WEST PIKE ST STE 2017 LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.17% |
| RHONDA YABROW BENEFIT BUILDERS INC3 Filed as: RHONDA YABROW | 1325 WHITLOCK AVE MARIETTA, GA 30064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.16% |
| BLAKE A THOMAS JR3 Filed as: BLAKE THOMAS JR | 435 CHANTANAY PLACE JOHNS CREEK, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | $0 | $48 | 0.14% |
| ELENI A NIKOLAS3 Filed as: ELENI KRAUSE | 2110 CHARMARIE CT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | $0 | $44 | 0.12% |
| DUSTON JOHNSON3 | 50 HURT PLAZA SUITE 995 ATLANTA, GA 30306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | $0 | $42 | 0.12% |
| RONALD S SANDERS3 Filed as: RONALD SANDERS | 1194 E. LAKEVIEW DRIVE SAN TAN VALLEY, AZ 85143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36 | $0 | $36 | 0.10% |
| JOHN MANN JR3 Filed as: JOHN MANN | 3417 HICKORY WOODS TR MARIETTA, GA 30066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.05% |
| ALEXANDER WARD3 | 5194 FOREST VIEW CT MABLETON, GA 30126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.04% |
| AMY A O SHIELDS3 Filed as: AMY O'SHIELDS | 5159 CALGARY DR DOUGLASVILLE, GA 30135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.04% |
| CHARLES S MADISON3 Filed as: CHARLES MADISON | 3303 COBB PKWY NW STE 324-354 ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| TARRAH SMITHSON3 | 2000 BROOKE FOREST CT ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| JOHN P KOWN II3 Filed as: JOHN KOWN | 1275 SHILOH RD SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN III | 1140 MOSSY ROCK ROAD KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 2219 MCCAHILL CT CUMMING, GA 30028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| MICHAEL LEROY COY3 Filed as: MICHAEL COY | 3571 FAR WEST BLVD #42 AUSTIN, TX 78731 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $562K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $562K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $562K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $562K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $562K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 371 | $597K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.