| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VOLUNTARY BENEFITS AT WORK3 | 2121 NEWMARKET PKWY SUITE 100 MARIETTA, GA 30067 | HARTFORD LIFE AND ACCIDENT | $409 | $10K | $10K | 4.03% |
| KERRY C EZZELL3 | P.O. BOX 15074 AUGUSTA, GA 30919 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 2.73% |
| TRAVERS W PAINE3 | 209 DIXON CT EVANS, GA 30809 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 2.60% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY. STE. 1950 ATLANTA, GA 30339 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 2.28% |
| LEGACY RISK SOLUTIONS LLC3 | 3633 WHEELER RD STE 230 AUGUSTA, GA 30909 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 2.23% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST. 4TH FLOOR COLUMBIA, SC 29201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 23.37% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY., STE. 1950 ATLANTA, GA 30333 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 15.01% |
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 | 286 | 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) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $71K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 278 | $71K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 286 | $319K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 286 | $319K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 286 | $319K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 286 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
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.