| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM G. WHIDBY | 3338 L COUNTY CLUB RD, PMB 210 VALDOSTA, GA 31602 | NATIONAL HEALTH INSURANCE COMPANY | $24K | — | $24K | 12.22% |
| J. L. HERRING & ASSOC INC3 Filed as: JL HERRING & ASSOC INC. | 315 COMMERICIAL DR. #A-5 SAVANNAH, GA 31406 | NATIONAL HEALTH INSURANCE COMPANY | $8K | — | $8K | 3.82% |
| CONCIERGE ADMINISTRATIVE SERVICES3 | — | AXIS INSURANCE COMPANY | — | $44K | $44K | 33.20% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP | 1476 CARPENTER RD. TIFTON, GA 31793 | AXIS INSURANCE COMPANY | $17K | — | $17K | 12.63% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP | P.O. BOX 7770 TIFTON, GA 31793 | AMERITAS LIFE INSURANCE COMPANY | $5K | $986 | $6K | 11.83% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NATIONAL HEALTH INSURANCE COMPANY | 54 | $330K |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 156 | $54K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 156 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.