| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $73K | — | $73K | 9.01% |
| ACRISURE LLC3 | 3350 RIVERWOOD PARKWAY SUITE 600 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 4.96% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | STANDARD INSURANCE COMPANY | $26K | — | $26K | 13.74% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 13.78% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 13.76% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY SUITE 600 SUITE 1500 ATLANTA, GA 30339 | VISION SERVICE PLAN | $2K | — | $2K | 3.90% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY SUITE 600 ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $20 | $2K | 4.59% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINSVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $904 | $3 | $907 | 2.34% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | — | $203 | 0.52% |
| KENNETH B TORBETT3 | 453 BRUSHSTROKE CT MARIETTA, GA 30067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $158 | — | $158 | 0.41% |
| SANDRA SIMS3 | 13750 W COLONIAL DRIVE SUITE 350 WINTER GARDEN, FL 34787 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | $10 | $151 | 0.39% |
| PLM SOLUTIONS INC3 | 557 GRAVES RD WEDOWEE, AE 36278 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 0.36% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 0.32% |
| C ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $6 | $64 | 0.17% |
| KRISTEN BIBLE3 | 4516 LATROBE COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.13% |
| ADVANCED AGENTS INC3 | 1488 CORONADO ROAD WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.08% |
| LAURIE J BURNS3 | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.08% |
| PATRICIA ACKERMAN3 | 1863 NW 96TH AVENUE PLANTATION, FL 33322 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.08% |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $3 | $20 | 0.05% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| LAKIESHIA YEUVONNE MCGHEE3 | PO BOX 233 UNION CITY, GA 30291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| WILLIAM RENNARD3 | 3001 ALOMA AVE WINTER PARK, FL 32792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $5 | $11 | 0.03% |
| NORWOOD BENEFIT SERVICES INC3 | 6478 LONG BREEZE ROAD ORLANDO, FL 32810 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
| JENNIFER ROSE SMITH3 | 4920 W SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.01% |
| CRAIG ALEXANDER MILLER3 | 30 SOUTHFORK ROAD DADEVILLE, FL 36853 | 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% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $595 | $30 | $625 | 8.54% |
| JAMES M EANES3 Filed as: JAMES EANES | 1700 E JACKSON STREET PENSACOLA, FL 32501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $54 | $265 | 3.62% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINSVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $4 | $193 | 2.64% |
| C ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | $10 | $38 | 0.52% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.44% |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $5 | $31 | 0.42% |
| KENNETH B TORBETT3 | 453 BRUSHSTROKE COURT MARIETTA, GA 30067 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.40% |
| KLD INSURANCE BENEFITS INC3 | 9085 BENTHEL ROAD GAINSVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $23 | $29 | 0.40% |
| D'ARCIPRETE & ASSOCIATES INC3 | 12945 US HIGHWAY 331 MONTGOMERY, AL 36105 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $18 | $29 | 0.40% |
| PLM SOLUTIONS INC3 | 557 GRAVES ROAD WEDOWEE, AL 36278 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.37% |
| CAROL PURDY FIELDS3 | 204 POTOMAC COURT WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.29% |
| DONNIE HILL LLC3 | PO BOX 10072 HUNTSVILLE, AL 35801 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $7 | $17 | 0.23% |
| WAYNE RIMMER3 | 7454 FARMERS ROAD PENSACOLA, FL 32526 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.14% |
| LAKIESHIA YEUVONNE MCGHEE3 | PO BOX 223 UNION CITY, GA 30291 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $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 | 414 | 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) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 323 | $333K |
| Vision | VISION SERVICE PLAN | 225 | $41K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 414 | $225K |
| Short-term disability | STANDARD INSURANCE COMPANY | 245 | $45K |
| Long-term disability | STANDARD INSURANCE COMPANY | 245 | $93K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 291 | $815K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 11 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.