| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: C DIGITAL INSURANCE IM | 400 GALLERIA SUITE 300 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $33K | — | $33K | 27.91% |
| SUSAN PICKARD3 | 977 PERKINS RD MILNER, GA 30257 | CONTINENTAL AMERICAN INSURANCE COMPANY | $464 | — | $464 | 0.40% |
| SANDRA L SIEBERT3 | 6070 TANGLETREE DR. ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | — | $162 | 0.14% |
| PATRICIA A HOFFMAN3 | 365 BRENTWOOD TERRACE NE ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | — | $162 | 0.14% |
| JEFFREY TAYLOR3 Filed as: JEFFREY G COPELAND | 12 VILLAGE LANE NEWNAN, GA 30265 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | — | $123 | 0.10% |
| ANDREW D KOWN3 | 710 CREEKGARDEN CT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 0.07% |
| ANDY GLENN3 | 4267 BRIGHTON WAY KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.06% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.04% |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 218 | $117K |
| Dental | CONTINENTAL AMERICAN INSURANCE COMPANY | 218 | $117K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 218 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.