| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD, SUITE 222 ACWORTH, GA 30101 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $71K | $71K | 5.26% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD, SUITE 222 ACWORTH, GA 30101 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 9.12% |
| CHARLES S MADISON3 Filed as: CHARLES E. BOYD | 2487 CEDARCREST ROAD, SUITE 222 ACWORTH, GA 30101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 9.03% |
| ELYSE KAYLA STRUM3 | 2936 WESTBURY DR DECATUR, GA 30033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.55% |
| TODD CLARK LEE3 | 1443 LADY SLIPPER COURT KENNESAW, GA 30152 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $652 | $0 | $652 | 2.85% |
| BENJAMIN MEHAFFEY3 | 380 OLD IVEY ROAD NE ATLANTA, GA 30392 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $260 | $347 | $607 | 2.66% |
| MITCHELL HECTOR MORALES3 | P.O. BOX 2532 NORCROSS, GA 30091 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $209 | $0 | $209 | 0.91% |
| MONICA LYNN MALBROUGH3 | 3550 GEORGE BUSBEE PKWY NW KENNESAW, GA 30144 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $114 | $0 | $114 | 0.50% |
| JOHN HORNE3 | 403 DUBLIN DR PEACHTREE CITY, GA 30269 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | $0 | $83 | 0.36% |
| NICOLE MARIE HILL3 | 1064 BELLAIRE COURT LAWRENCEVILLE, GA 30043 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $16 | $25 | 0.11% |
| WILLIAM KYZER3 | PO BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.07% |
| JACQUELINE SUMMER CHADWICK3 | 110 CC PRITCHARD ST JASPER, GA 30143 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $0 | $11 | 0.05% |
| KID INSURANCE BENEFITS INC3 | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| PATRICK SAMUEL MORGAN3 | 4614 MYSTIC DR ATLANTA, GA 30342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD, SUITE 222 ACWORTH, GA 30101 | EYEMED VISION CARE | $1K | $0 | $1K | 10.08% |
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 | 247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 247 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $134K |
| Vision | EYEMED VISION CARE | 164 | $11K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $157K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 37 | $23K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $134K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.