| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDERSON CORPORATE SOLUTIONS INC3 | 1735 N BROWN ROAD SUITE 220 LAWRENCEVILLE, GA 30043 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $29K | $4K | $33K | 5.34% |
| ANDERSON CORPORATE SOLUTIONS INC3 | 1735 N BROWN ROAD LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 9.55% |
| RJK & ASSOCIATES INC3 Filed as: RJK & ASSOCIATES | 777 DREWRY ST NE ATLANTA, GA 30306 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $352 | $2K | 4.33% |
| SANTE CONCEPTS INC3 | 94 BARTLETT WAY DALLAS, GA 30157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $73 | $1K | 3.30% |
| L H FINANCIAL SERVICES INC3 | 6695 HIDDEN BROOK TRAIL COLLEGE PARK, GA 30349 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $531 | $68 | $599 | 1.53% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | $54 | $161 | 0.41% |
| B V STONE INC3 | 1800 SUNSET HARBOUR POINTE LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $149 | $0 | $149 | 0.38% |
| RJK & ASSOCIATES INC3 Filed as: RJK AND ASSOCIATES INC | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $337 | $0 | $337 | 7.50% |
| ANDERSON BENEFIT SOLUTIONS3 Filed as: ANDERSON CORP SOLUTIONS | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $337 | $0 | $337 | 7.50% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 110 | $617K |
| Dental | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 110 | $617K |
| Vision | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 110 | $617K |
| Life insurance | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 110 | $617K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 45 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.