| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATIONAL HEALTH INSURANCE COMPANY3 | PO BOX 619999 DALLAS, TX 75261 | NATIONAL HEALTH INSURANCE COMPANY | — | $136K | $136K | 15.68% |
| NATIONAL GENERAL INSURANCE COMPANY3 | 1515 NORTH RIVERCENTER DR, STE 135 MILWAUKEE, WI 53212 | NATIONAL HEALTH INSURANCE COMPANY | — | $102K | $102K | 11.78% |
| JAMES R CARTER3 | 5031 MAPLES FERRY WAY EVANS, GA 308095705 | NATIONAL HEALTH INSURANCE COMPANY | $47K | — | $47K | 5.49% |
| BROKERS HOLDING GROUP3 | 455 ST ANDREWS RD SUITE E-1 COLUMBIA, SC 29210 | NATIONAL HEALTH INSURANCE COMPANY | $31K | — | $31K | 3.61% |
| KELLY E FOX3 | 3633 WHEELER RD STE 203 AUGUSTA, GA 309092350 | NATIONAL HEALTH INSURANCE COMPANY | $12K | — | $12K | 1.37% |
| JAMES R CARTER3 | 5031 MAPLES FERRY WAY EVANS, GA 30809 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 5.42% |
| VBW INSURANCE SERVICES, INC3 Filed as: VBW INSURANCE SERVICES, INC. | 3000 WINDY HILL RD SE #672617 MARIETTA, GA 30067 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 5.19% |
| TRAVERS W PAINE3 | 209 DIXON CT EVANS, GA 30809 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 3.76% |
| LEGACY RISK SOLUTIONS LLC3 | PO BOX 2976 GAINESVILLE, GA 30503 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 1.77% |
| LEGACY RISK SOLUTIONS LLC3 | 3633 WHEELER RD STE 203 AUGUSTA, GA 30909 | GUARDIAN | $9K | — | $9K | 8.91% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | GUARDIAN | $5K | — | $5K | 4.77% |
| JAMES R CARTER3 | 5031 MAPLES FERRY WAY EVANS, GA 30809 | GUARDIAN | $844 | — | $844 | 0.82% |
| PEACHTREE PLANNING OF GEORGIA3 | 5040 ROSWELL RD ATLANTA, GA 30342 | GUARDIAN | $704 | — | $704 | 0.68% |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL HEALTH INSURANCE COMPANY | 132 | $864K |
| Dental | GUARDIAN | 155 | $103K |
| Vision | GUARDIAN | 155 | $103K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 200 | $133K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 200 | $133K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 200 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.