| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | 200 BROOKSTONE CENTER PKWY SUITE 118 COLUMBUS, GA 31904 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $60K | — | $60K | 2.71% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | $49K | — | $49K | 2.21% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS INC | 2500 CUM ERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25K | — | $25K | 28.65% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 7.04% |
| ANGELICA SAMANIEGO3 | 782 N STEELE DRIVE HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 6.79% |
| KAREN H SMITH3 | 1550 FALLEN LEAF DRIVE MARIETTA, GA 30064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 3.24% |
| ANDREW D KOWN3 | 710 CREEKGARDEN COURT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.92% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.86% |
| SANDRA L SIEBERT3 | 6070 TAGLETREE DRIVE ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.52% |
| DARYL PERRY3 | 1241 WADE GREEN COURT ACWORTH, GA 30102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $827 | — | $827 | 0.96% |
| HENRY DUNN INC3 Filed as: HENRY HIGGISON | 1832 MEREDITH DRIVE NW ATLANTA, GA 30318 | CONTINENTAL AMERICAN INSURANCE COMPANY | $605 | — | $605 | 0.70% |
| REBECCA K BENTON3 | 207 TWIN FALLS DRIVE SIMPSONVILLE, SC 29680 | CONTINENTAL AMERICAN INSURANCE COMPANY | $550 | — | $550 | 0.64% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | P O BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $361 | — | $361 | 0.42% |
| MARGARET P WEEKLEY3 | 172 ROSEN LANE STAUNTON, VA 24401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | — | $278 | 0.32% |
| ALISON HLUCHOTA3 Filed as: ALISON HLUCHTOA | 555 N PLEASANTBURG DRIVE SUITE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $156 | — | $156 | 0.18% |
| JUSTIN M GUIDI3 | 555 N PLEASANTBURG DRIVE SUITE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.10% |
| RUTH P YOUNG3 | 808 WIGGINGTON ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.05% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD M TIDWELL | P O BOX 1801 CUMMIN, GA 30028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | 47 POSTAL PARKWAY NEWNAN, GA 30263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.05% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | 47 POSTAL PARKWAY NEWNAN, GA 30263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.19% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2550 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.44% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANER AND COMPANY | 47 POSTAL PARKWAY NEWNAN, GA 30263 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.30% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 6.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER AND COMPANY | 47 POSTAL PARKWAY NEWNAN, GA 302632885 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $533 | $2K | 12.70% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $815 | — | $815 | 6.65% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 538 | $2.2M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC | 538 | $2.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $45K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 462 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.