| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $89K | — | $89K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | 206 EXCHANGE PLACE HUNTSVILLE, AL 35806 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $8K | $8K | 4.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY LLC | P O BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19K | — | $19K | 13.94% |
| ANGELICA SAMANIEGO3 | 782 N STEELE DRIVE HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 5.09% |
| LINDA J MCCOY3 | 509 PINE STREET PALMETTO, GA 30268 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.75% |
| MICHELLE CAROLYN FLORES-METCALFE3 Filed as: MICHELLE FLOREST METCALFE | 786 HELM LANE NW KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.42% |
| THOMAS DEAN BAXTER3 | 500 LANIER AVENUE W STE 912A FAYETTEVILLE, GA 30214 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.37% |
| ANDY B GLENN II3 Filed as: ANDY B GLENN | 4267 BRIGHTON WAY KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.09% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.97% |
| DARYL PERRY3 | 1241 WADE GREEN COURT ACWORTH, GA 30102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $732 | — | $732 | 0.55% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $729 | — | $729 | 0.55% |
| DONNA N THOMAS3 | 71 MONTROSE LANE SHARPSBURG, GA 30277 | CONTINENTAL AMERICAN INSURANCE COMPANY | $669 | — | $669 | 0.50% |
| STERLING AND STERLING, INC.3 Filed as: STERLING RISK ADVISORS | 2500 CUMBERLAND PARKWAY SUITE 400 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $386 | — | $386 | 0.29% |
| SANDRA L SIEBERT3 Filed as: SANDRA L SEIBERT | 6070 TANGLETREE DRIVE ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $274 | — | $274 | 0.21% |
| ANDREW D KOWN3 | 710 CREEKGARDEN COURT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245 | — | $245 | 0.18% |
| KAREN H SMITH3 | 145 CHURCH STREET NE SUITE 200 MARIETTA, GA 30060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $194 | — | $194 | 0.15% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING GROUP INC | 5729 FAIRWOOD DRIVE ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | — | $86 | 0.06% |
| DEANNA CONN3 | 477 SOUTHERN HILLS DRIVE CALERA, AL 35040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.06% |
| MARGARET P WEEKLEY3 | 172 ROSEN LANE STAUNTON, VA 24401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.04% |
| REBECCA K BENTON3 | 207 TWIN FALLS DRIVE SIMPSONVILLE, SC 29680 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | — | $47 | 0.04% |
| HENRY DUNN INC3 Filed as: HENRY HIGGISON | 1832 MEREDITH DRIVE NW ATLANTA, GA 30318 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.03% |
| KATHLEEN T BENES3 | 249 WEATHERSTONE POINTE DRIVE WOODSTOCK, GA 30188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.02% |
| ALISON HLUCHOTA3 | 10 MEADOW RESERVE PLACE SIMPSONVILLE, SC 29681 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| JUSTIN M GUIDI3 | 555 N PLEASANTBURG DRIVE SUITE 200 GREENVILLE, SC 29607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| RUTH P YOUNG3 | 808 WIGGINGTON ROAD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 19.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $12K | 19.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $12K | 19.40% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $655 | $3K | 19.85% |
| ASSUREDPARTNERS3 Filed as: STERLING SEACREST PARTNERS INC | P O BOX 724137 ATLANTA, GA 31139 | METROPOLITAN LIFE INSURANCE COMPANY | — | $59 | $59 | — |
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 | 299 | 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) | 299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 617 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 299 | $152K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 299 | $152K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 246 | $65K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $64K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 617 | $1.9M |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 669 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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.