| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT | 3333 RIVERWOOD PARKWAY SUITE 400 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51K | $0 | $51K | 8.60% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $13K | $37K | 6.22% |
| WORKSITE BENEFIT SERVICES3 | 246 INVERNESS CENTER BIRMINGHAM, AL 35242 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 0.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HOLLY J BROWN-OVERDYKE | 2526 STONINGTON ROAD DUNWOODY, GA 30338 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $358 | $0 | $358 | 0.06% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS, INC | ONE RAVINA DRIVE SUITE 1750 ATLANTA, GA 30346 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44 | $0 | $44 | 0.01% |
| THE MCCART GROUP INC3 Filed as: THE MCCART GROUP | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.42% |
| WORKSITE BENEFIT SERVICES3 Filed as: WORKSITE BENEFIT SERVICES INC | 246 INVERNESS CENTER DR BIRMINGHAM, AL 35242 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 32.44% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 2405 SATELLITE BLVD 200 DULUTH, GA 30096 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 22.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: HOLLY BROWN OVERDYKE | 1226 DUNWOODY LANE SUITE 250 BROOKHAVEN, GA 30319 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 206 | $458K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $595K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $595K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $595K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $595K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $595K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 227 | $612K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.