| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM G. WHIDBY | 3338 L COUNTRY CLUB RD. ST PMB VALDOSTA, GA 31602 | NATIONAL HEALTH INSURANCE COMPANY | $15K | — | $15K | 11.30% |
| CONCIERGE ADMINISTRATIVE SERVICES3 | — | AXIS INSURANCE COMPANY | — | $25K | $25K | 33.76% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP | 1476 CARPENTER RD. TIFTON, GA 31793 | AXIS INSURANCE COMPANY | $9K | — | $9K | 12.49% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP | P.O. BOX 7770 TIFTON, GA 31793 | AMERITAS LIFE INSURANCE COMPANY | $3K | $225 | $3K | 10.78% |
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 | 190 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | NATIONAL HEALTH INSURANCE COMPANY | 42 | $203K |
| Dental | AMERITAS LIFE INSURANCE COMPANY | 134 | $29K |
| Vision | AMERITAS LIFE INSURANCE COMPANY | 134 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
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.