| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARAGON BENEFITS, INC.5 | 6065 BUSINESS PARK DRIVE COLUMBUS, GA 31909 | LIBERTY INSURANCE UNDERWRITERS, INC. | — | $44K | $44K | 16.94% |
| CIGNA5 Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | PO BOX 645014 CINCINNATI, OH 452645014 | LIBERTY INSURANCE UNDERWRITERS, INC. | — | $33K | $33K | 12.63% |
| THE SUMNER AGENCY3 | 718 2ND STREET WEST TIFTON, GA 31794 | LIBERTY INSURANCE UNDERWRITERS, INC. | $17K | — | $17K | 6.74% |
| PARTNERS BENEFIT GROUP LLC3 | PO BOX 7770 TIFTON, GA 31793 | LIBERTY INSURANCE UNDERWRITERS, INC. | $9K | — | $9K | 3.33% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP | 1476 CARPENTER ROAD TIFTON, GA 31793 | GUARDIAN | $23K | — | $23K | 9.07% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | GUARDIAN | $8K | — | $8K | 2.99% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP | 1476 CARPENTER ROAD TIFTON, GA 31793 | GUARDIAN | $4K | — | $4K | 1.38% |
| PARTNERS BENEFIT GROUP LLC3 | PO BOX 7770 TIFTON, GA 31793 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$65 | — | -$65 | — |
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 | 179 | $256K |
| Vision | GUARDIAN | 179 | $256K |
| Life insurance | GUARDIAN | 179 | $256K |
| Short-term disability | GUARDIAN | 179 | $256K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 179 | $256K |
| Stop-loss / reinsurancereinsurance | LIBERTY INSURANCE UNDERWRITERS, INC. | 179 | $259K |
| Other | GUARDIAN | 179 | $256K |
| 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."
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.