| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARAGON BENEFITS, INC.5 Filed as: PARAGON BENEFITS INC | 6065 BUSINESS PARK DRIVE COLUMBUS, GA 31909 | KISMET RISK MANAGEMENT ASSOCIATES LLC | — | $36K | $36K | 12.64% |
| CIGNA5 Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | PO BOX 645014 CINCINNATI, OH 452645014 | KISMET RISK MANAGEMENT ASSOCIATES LLC | — | $35K | $35K | 12.27% |
| THE SUMNER AGENCY3 | 718 2ND STREET WEST TIFTON, GA 31794 | KISMET RISK MANAGEMENT ASSOCIATES LLC | $29K | — | $29K | 10.07% |
| PARTNERS BENEFIT GROUP LLC3 | PO BOX 7770 TIFTON, GA 31793 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 9.85% |
| PARTNERS BENEFIT GROUP LLC3 | 1476 CARPENTER RD TIFTON, GA 31793 | GUARDIAN | $3K | — | $3K | 4.05% |
| THE SUMNER AGENCY3 Filed as: THE SUMNER AGENCY INC | 718 2ND ST W TIFTON, GA 31794 | COMPANION LIFE | $2K | — | $2K | 8.08% |
| J. L. HERRING & ASSOC INC3 Filed as: JL HERRING & ASSOC INC | 315 COMMERCIAL DR A5 SAVANNAH, GA 31406 | COMPANION LIFE | $1K | — | $1K | 5.05% |
| NEIL THOMPSON & ASSOCIATES3 | 1310 WADSWORTH DR ALBANY, GA 31721 | COMPANION LIFE | $519 | — | $519 | 2.02% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 169 | $79K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $85K |
| Stop-loss / reinsurancereinsurance | KISMET RISK MANAGEMENT ASSOCIATES LLC | 185 | $285K |
| Other | COMPANION LIFE | 185 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.