| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD, SUITE 222 ACWORTH, GA 30101 | CIGNA HEALTH AND LIFE INSURANCE | $65K | — | $65K | 4.76% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD, SUITE 222 ACWORTH, GA 30101 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.92% |
| CHARLES S MADISON Filed as: CHARLES E. BOYD | 2487 CEDARCREST ROAD, SUITE 222 ACWORTH, GA 30101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $961 | $0 | $961 | 5.22% |
| MITCHELL HECTOR MORALES | P.O. BOX 2532 NORCROSS, GA 30091 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $420 | $58 | $478 | 2.60% |
| BENJAMIN MEHAFFEY | 380 OLD IVEY RD NE ATLANTA, GA 30392 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $337 | $427 | 2.32% |
| NICOLE MARIE HILL | 1064 BELLAIRE COURT LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $167 | $188 | 1.02% |
| JACQUELINE SUMMER CHADWICK | 3550 BUSBEE PKWY NW KENNESAW, GA 30144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $34 | $152 | 0.83% |
| TODD CLARK LEE | 1443 LADY SLIPPER COURT KENNESAW, GA 30152 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $9 | $139 | 0.75% |
| AARON LAMONT HAMILTON | 2469 MAVIS ST OAKLAND, CA 94601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | $30 | $124 | 0.67% |
| PATRICK SAMUEL MORGAN | 2158 CUMBERLAND PKWY ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | $39 | $123 | 0.67% |
| ELYSE KAYLA STRUM | 2936 WESTBURY DR DECATUR, GA 30033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $59 | $84 | 0.46% |
| MONICA LYNN MALBROUGH | 3550 GEORGE BUSBEE PKWY NW KENNESAW, GA 30144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | $0 | $72 | 0.39% |
| JANAI APRIL TEOLI | 4159 BRASHER DR MARIETTA, GA 30066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | $0 | $69 | 0.37% |
| KID INSURANCE BENEFITS INC | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | $23 | $47 | 0.26% |
| NORMAC SOLUTIONS INC | 3730 EVEREST DR MONTOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | $8 | $30 | 0.16% |
| WILLIAM KYZER | 8211 GORDON LN HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.09% |
| JOHN HORNE | 403 DUBLIN DR PEACHTREE CITY, GA 30269 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $7 | $10 | 0.05% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD, SUITE 222 ACWORTH, GA 30101 | EYEMED VISION CARE | $1K | — | $1K | 9.94% |
| HERITAGE CORPORATE BENEFITS | 2487 CEDARCREST ROAD, SUITE 222 ACWORTH, GA 30101 | CIGNA HEALTHE AND LIFE INSURANCE COMPANY | $8K | — | $8K | — |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 207 | $1.4M |
| Dental | CIGNA HEALTHE AND LIFE INSURANCE COMPANY | 112 | $0 |
| Vision | EYEMED VISION CARE | 191 | $12K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $89K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 28 | $18K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $71K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.