| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARAGON BENEFITS, INC.5 | 6065 BUSINESS PARK DRIVE COLUMBUS, GA 31909 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $33K | $33K | 16.64% |
| CIGNA5 Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | PO BOX 645014 CINCINNATI, OH 452645014 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $31K | $31K | 15.74% |
| THE SUMNER AGENCY3 Filed as: THE SUMNER AGENCU | 718 2ND STREET WEST TIFTON, GA 31794 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22K | — | $22K | 11.11% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP | 1476 CARPENTER ROAD TIFTON, GA 31793 | GUARDIAN | $3K | — | $3K | 4.17% |
| PARTNERS BENEFIT GROUP LLC3 | PO BOX 7770 TIFTON, GA 31793 | THE LINCOLN NATIONAL LIFE INUSRANCE COMPANY | $8K | — | $8K | 11.24% |
| THE SUMNER AGENCY3 | 718 2ND ST. W TIFTON, GA 31794 | COMPANION LIFE | $2K | — | $2K | 8.04% |
| J. L. HERRING & ASSOC INC3 Filed as: J L HERRING & ASSOCIATES | 315 COMMERCIAL DR. A5 SAVANNAH, GA 31406 | COMPANION LIFE | $1K | — | $1K | 5.03% |
| NEIL THOMPSON & ASSOCIATES3 | 1310 WADSWORTH DR. ALBANY, GA 31721 | COMPANION LIFE | $409 | — | $409 | 2.01% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 160 | $75K |
| Life insurance | COMPANION LIFE | 179 | $20K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INUSRANCE COMPANY | 167 | $72K |
| Stop-loss / reinsurancereinsurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 179 | $198K |
| Other | COMPANION LIFE | 179 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.