| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| P&C LEGACY, LLC3 | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94K | $0 | $94K | 19.86% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES, INC. | 2399 HIGHWAY 34, UNIT C-2 MANASQUAN, NJ 08736 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46K | $0 | $46K | 9.78% |
| KATHLEEN THERESA GILREATH3 | 103 AVERY DRIVE TALKING ROCK, GA 30175 | CONTINENTAL AMERICAN INSURANCE COMPANY | $36K | $0 | $36K | 7.48% |
| JOHN P KOWN II3 Filed as: JOHN PHILLIP KOWN | 430 DAVIS CARNES LANE NW MARIETTA, GA 30064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35K | $0 | $35K | 7.28% |
| MJ INSURANCE3 Filed as: JERRY SIMMONS & VARIOUS AGENTS | 5098 STRATFORD WAY POWDER SPRINGS, GA 30127 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | $0 | $27K | 5.66% |
| SANDEE KIM CARROLL3 | 121 CREEK HOLLOW DRIVE WOODSTOCK, GA 30188 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 3.60% |
| RACHEL BOONE LUNCY3 | 37 CAPITOL AVENUE DALLAS, TX 30132 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 3.60% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER AND CAY, LLC | 1200 ABERNATHY ROAD NE, SUITE 900 ATLANTA, GA 30328 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $0 | $10K | 2.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SVCS., INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 1.90% |
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 | 961 | 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) | 961 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 961 | $327K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 961 | $327K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 10 | $475K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 10 | $475K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 961 | — |
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.
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.