| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE CORPORATE BENEFITS3 | 2359 SAINT DAVIDS SQUARE KENNESAW, GA 30152 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA | $18K | $0 | $18K | 2.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14A CHICAGO, IL 60604 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA | $18K | $0 | $18K | 2.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 300 CONCOURSE BLVD SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2487 CEDARCREST ROAD SUITE 222 ACWORTH, GA 30101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $839 | $2K | $3K | 3.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.03% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CORP | P.O. BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 9.50% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.41% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CORP | P.O. BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 9.50% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $909 | $0 | $909 | 3.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.40% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CORP | P.O. BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 9.50% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $799 | $0 | $799 | 3.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.26% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CORP | P.O. BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 9.50% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $769 | $0 | $769 | 3.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.43% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $624 | $0 | $624 | 3.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.25% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $511 | $0 | $511 | 3.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $791 | $0 | $791 | 11.19% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $269 | $0 | $269 | 3.81% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GA | 101 | $742K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $89K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $89K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $145K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $89K |
| Long-term disability(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $127K |
| Other(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 182 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.