| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP | 1476 CARPENTER ROAD TIFTON, GA 31793 | GUARDIAN | $30K | — | $30K | 10.22% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUT 35 STE 368 BELMAR, NJ 07719 | GUARDIAN | $18K | — | $18K | 6.30% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP | 1476 CARPENTER ROAD TIFTON, GA 31793 | GUARDIAN | $4K | — | $4K | 1.39% |
| PARAGON BENEFITS, INC.5 Filed as: PARAGON BENEFITS INC | 6065 BUSINESS PARK DRIVE COLUMBUS, GA 31909 | LIBERTY INSURANCE UNDERWRITERS, INC. | — | $37K | $37K | 19.59% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT | 1476 CARPENTER ROAD TIFTON, GA 31793 | LIBERTY INSURANCE UNDERWRITERS, INC. | — | $17K | $17K | 8.90% |
| ALLIED BENEFIT SYSTEMS, LLC5 Filed as: ALLIED BENEFIT SYSTEMS LLC | 200 WEST ADAMS ST. SUITE 500 CHICAGO, IL 60606 | LIBERTY INSURANCE UNDERWRITERS, INC. | — | $7K | $7K | 3.52% |
| PARTNERS BENEFIT GROUP LLC3 | PO BOX 7770 TIFTON, GA 31793 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 8.31% |
| RUSSELL L WARYE3 Filed as: RUSSELL GEORGE JUMP | 310 JIMMY LOTT LANE DOUGLAS, GA 31533 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $209 | $2K | 4.14% |
| EARL BACON AGENCY INC3 Filed as: EARL LEE ELLIS | 607 SPURGEON ST WAYCROSS, GA 31501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $51 | $1K | 2.93% |
| JONI ANN JUMP3 | 310 JIMMY LOTT LANE DOUGLAS, GA 31535 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $898 | $165 | $1K | 2.32% |
| THE GRAHAM COMPANY3 Filed as: GRAHAM TYRE | PO BOX 369 NICHOLLS, GA 31554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $605 | $203 | $808 | 1.76% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $424 | $333 | $757 | 1.65% |
| KASON R JUMP3 | 324 JIMMY LOTT LANE DOUGLAS, GA 31535 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $626 | $40 | $666 | 1.45% |
| GEORGE JOEL WILLIAMS III3 | 647 LUCY MOORE RD NICHOLLS, GA 31554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | — | $190 | 0.41% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 142 | $291K |
| Vision | GUARDIAN | 142 | $291K |
| Life insurance | GUARDIAN | 142 | $291K |
| Short-term disability | GUARDIAN | 142 | $291K |
| Long-term disability | GUARDIAN | 142 | $291K |
| Stop-loss / reinsurancereinsurance | LIBERTY INSURANCE UNDERWRITERS, INC. | 142 | $191K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 142 | $336K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.