| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE, SUITE 1500 ATLANTA, GA 30309 | UNITED HEALTHCARE INSURANCE COMPANY | $91K | — | $91K | 15.00% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | — | $14K | 4.96% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $13K | 11.50% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 6.69% |
| KLD INSURANCE BENEFITS INC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $712 | $2K | 4.08% |
| LAKIESHIA YEUVONNE MCGHEE3 | PO BOX 233 UNION CITY, GA 30291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $727 | $60 | $787 | 1.42% |
| C MARIE ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $226 | $138 | $364 | 0.66% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $337 | $16 | $353 | 0.64% |
| KLINGBEIL AND ASSOCIATES INC3 | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $244 | $8 | $252 | 0.45% |
| HORIZON MANAGEMENT LLC3 | PO BOX 249 SIGNAL MOUNTAIN, TN 37377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $231 | — | $231 | 0.42% |
| PLM SOLUTIONS INC3 | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $7 | $218 | 0.39% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 0.32% |
| LAURIE J BURNS3 | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $26 | $113 | 0.20% |
| CHRISTINA MARIA MAJORS3 | 8010 DERBYSHIRE CT DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.19% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $23 | $95 | 0.17% |
| CRAIG ALEXANDER MILLER3 | 2037 POWERS FERRY ROAD SE MARIETTA, GA 30067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $43 | $77 | 0.14% |
| KRISTEN BIBLE3 | 4516 LATROBE COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.11% |
| ROBYN EVETTE DAVIS3 | 59 ANDERSON AVE CANTON, GA 30114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.10% |
| ADVANCED AGENTS INC3 | 1488 CRONADO RD WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | — | $43 | 0.08% |
| JENNIFER ROSE SMITH3 | 4920 W SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $8 | $41 | 0.07% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $2 | $4 | 0.01% |
| THOMESE SCALES-BARANCO3 | 2203 HIDDEN CREEK DRIVE DECATUR, GA 30035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| BOBBY SCALES SR AND ASSOCIATES3 | 6945 LANCASTER CIRCLE CUMMING, GA 30040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DRIVE S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| CAROLINA BENEFIT SOLUTIONS, INC.3 Filed as: CAROLINA BENEFITS SOLUTIONS INC. | 15100 DURMAST CT MINTHILL, NC 28227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JORDANO GROUP INC3 | 12751 ORANGE BLVD WEST PALM BEACH, FL 33412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| B & B INSURANCE SOLUTIONS INC3 | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $861 | $8K | 16.70% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $518 | $5K | 16.71% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | VISION SERVICE PLAN | $1K | — | $1K | 4.69% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $988 | $184 | $1K | 10.88% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $438 | — | $438 | 5.04% |
| KLD INSURANCE BENEFITS INC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $214 | $42 | $256 | 2.95% |
| LAKIESHIA YEUVONNE MCGHEE3 | PO BOX 233 UNION CITY, GA 30291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $5 | $60 | 0.69% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $55 | $1 | $56 | 0.64% |
| KLINGBEIL AND ASSOCIATES INC3 | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $1 | $44 | 0.51% |
| HORIZON MANAGEMENT LLC3 | PO BOX 249 SIGNAL MOUNTAIN, TN 37377 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.48% |
| PLM SOLUTIONS INC3 | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.37% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.29% |
| C MARIE ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $9 | $23 | 0.26% |
| ROBYN EVETTE DAVIS3 | 59 ANDERSON AVE CANTON, GA 30114 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.09% |
| BOBBY SCALES SR AND ASSOCIATES3 | 6945 LANCASTER CIRCLE CUMMING, GA 30040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| THOMESE SCALES-BARANCO3 | 2203 HIDDEN CREEK DRIVE DECATUR, GA 30035 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 266 | $274K |
| Vision | VISION SERVICE PLAN | 172 | $30K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $179K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $51K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 251 | $607K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 115 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.