| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | SUN LIFE ASSURANCE COMPANY OF CANADA | $84K | — | $84K | 7.72% |
| ACRISURE LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | SUN LIFE ASSURANCE COMPANY OF CANADA | $69K | — | $69K | 6.33% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | — | $10K | 2.49% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 8.46% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 6.46% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 8.57% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 6.43% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | VISION SERVICE PLAN | $779 | — | $779 | 1.82% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE SUITE 1500 ATLANTA, GA 30309 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.54% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.46% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINSVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $850 | $10 | $860 | 2.12% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $835 | — | $835 | 2.06% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY SUITE 600 ATLANTA, GA 30189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $694 | — | $694 | 1.71% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | — | $201 | 0.50% |
| KENNETH B TORBETT3 | 453 BRUSHSTROKE CT MARIETTA, GA 30067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 0.37% |
| PLM SOLUTIONS INC3 | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | — | $134 | 0.33% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | — | $123 | 0.30% |
| LAKIESHIA YEUVONNE MCGHEE3 | PO BOX 233 UNION CITY, GA 30291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.17% |
| SANDRA SIMS3 | 13750 W COLONIAL DRIVE SUITE 350 WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $9 | $50 | 0.12% |
| KRISTEN BIBLE3 | 4516 LATROBE COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.12% |
| C ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $1 | $45 | 0.11% |
| ADVANCED AGENTS INC3 | 1488 CORONADO ROAD WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.07% |
| LAURIE J BURNS3 | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.07% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.03% |
| JENNIFER ROSE SMITH3 | 4920 W SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| CRAIG ALEXANDER MILLER3 | 5206 COVESOUND WAY APOLLO BEACH, FL 33572 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CAROLINA BENEFIT SOLUTIONS, INC.3 Filed as: CAROLINA BENEFITS SOLUTIONS INC. | 4461 NE 30 AVE LIGHTHOUSE PT, FL 33064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| B & B INSURANCE SOLUTIONS INC3 Filed as: B&B INSURANCE SOLUTIONS INC | 14716 SW 112 TERRACE MIAMI, FL 33196 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| JORDANO GROUP INC3 | 12751 ORANGE BLVD WEST PALM BEACH, FL 33412 | 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 | 0.00% |
| BOBBY SCALES SR AND ASSOCIATES3 | 6945 LANCASTER CIRCLE CUMMING, GA 30040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINSVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | — | $122 | 2.05% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET NE ATLANTA, GA 30189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | — | $114 | 1.91% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY ATLANTA, GA 30189 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $95 | — | $95 | 1.59% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.49% |
| KENNETH B TORBETT3 | 453 BRUSHSTROKE COURT MARIETTA, GA 30067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.45% |
| PLM SOLUTIONS INC3 | 557 GRAVES ROAD WEDOWEE, AL 36278 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.42% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.34% |
| LAKIESHIA YEUVONNE MCGHEE3 | PO BOX 223 UNION CITY, GA 30291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
| C ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.02% |
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 | 402 | 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) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 337 | $381K |
| Vision | VISION SERVICE PLAN | 250 | $43K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 413 | $255K |
| Short-term disability | STANDARD INSURANCE COMPANY | 249 | $41K |
| Long-term disability | STANDARD INSURANCE COMPANY | 235 | $67K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 312 | $1.1M |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 10 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 413 | — |
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.