| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL HEALTH INSURANCE COMPANY3 | PO BOX 619999 DALLAS, TX 75261 | NATIONAL HEALTH INSURANCE COMPANY | — | $138K | $138K | 16.14% |
| NATIONAL GENERAL INSURANCE COMPANY3 | 1515 NORTH RIVERCENTER DR, STE 135 MILWAUKEE, WI 53212 | NATIONAL HEALTH INSURANCE COMPANY | — | $107K | $107K | 12.47% |
| JAMES R CARTER3 | 5031 MAPLES FERRY WAY EVANS, GA 30809 | NATIONAL HEALTH INSURANCE COMPANY | $46K | — | $46K | 5.42% |
| BROKERS HOLDING GROUP3 | 455 ST. ANDREWS RD SUITE E-1 COLUMBIA, SC 29210 | NATIONAL HEALTH INSURANCE COMPANY | $30K | — | $30K | 3.56% |
| KELLY E FOX3 | PO BOX 2976 GAINESVILLE, GA 30503 | NATIONAL HEALTH INSURANCE COMPANY | $12K | — | $12K | 1.35% |
| JAMES R CARTER3 | 5031 MAPLES FERRY WAY EVANS, GA 308095705 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 5.96% |
| KERRY C EZZELL3 | PO BOX 15074 AUGUSTA, GA 30919 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 5.90% |
| VBW INSURANCE SERVICES, INC3 Filed as: VBW INSURANCE SERVICES, INC. | 1090 HERSHEY DRIVE MARIETTA, GA 30062 | HARTFORD LIFE AND ACCIDENT | $229 | $7K | $7K | 5.65% |
| TRAVERS W PAINE3 | 209 DIXON CT EVANS, GA 30809 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 4.12% |
| AUBREY W WILLIAMS3 | 3228 WINDING WOOD PLACE AUGUSTA, GA 30907 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.99% |
| LEGACY RISK SOLUTIONS LLC3 | PO BOX 2976 GAINESVILLE, GA 30503 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.95% |
| LEGACY RISK SOLUTIONS LLC3 | 3633 WHEELER RD STE 203 AUGUSTA, GA 30909 | GUARDIAN | $10K | — | $10K | 8.96% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN | $3K | — | $3K | 3.21% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 12404 PARK CENTRAL DRIVE ST 400S DALLAS, TX 75251 | GUARDIAN | $2K | — | $2K | 1.58% |
| JAMES R CARTER3 | 5031 MAPLES FERRY WAY EVANS, GA 30809 | GUARDIAN | $871 | — | $871 | 0.81% |
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 | 199 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL HEALTH INSURANCE COMPANY | 123 | $856K |
| Dental | GUARDIAN | 155 | $107K |
| Vision | GUARDIAN | 155 | $107K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 199 | $120K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 199 | $120K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 199 | $227K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.