| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD, SUITE 222 ACWORTH, GA 30101 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 300 CONCOURSE BLVD RIDGELAND, MS 39157 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 7.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 2487 CEDARCREST ROAD, SUITE 222 ACWORTH, GA 30101 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 2487 CEDARCREST ROAD, SUITE 222 ACWORTH, GA 30101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $226 | $1K | 5.31% |
| TODD CLARK LEE3 | 1443 LADY SLIPPER COURT KENNESAW, GA 30152 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $985 | $54 | $1K | 4.14% |
| BENJAMIN MEHAFFEY3 | 380 OLD IVEY ROAD NE ATLANTA, GA 30392 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $188 | $197 | $385 | 1.53% |
| CHARLES S MADISON3 Filed as: CHARLES E. BOYD | 2487 CEDARCREST ROAD, SUITE 222 ACWORTH, GA 30101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $283 | — | $283 | 1.13% |
| MITCHELL HECTOR MORALES3 | P.O. BOX 2532 NORCROSS, GA 30091 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | — | $186 | 0.74% |
| ELYSE KAYLA STRUM3 | 2936 WESTBURY DR DECATUR, GA 30033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $133 | — | $133 | 0.53% |
| KEVIN E HARRIS3 | 2449 HORSESHOE BEND RD MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $29 | $41 | 0.16% |
| WILLIAM KYZER3 | PO BOX 8213 HERMITAGE, TN 37076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.07% |
| JOHN HORNE3 | 403 DUBLIN DR PEACHTREE CITY, GA 30269 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.06% |
| KID INSURANCE BENEFITS INC3 | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD, SUITE 222 ACWORTH, GA 30101 | EYEMED VISION CARE | $1K | — | $1K | 9.97% |
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 | 131 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 255 | $1.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $152K |
| Vision | EYEMED VISION CARE | 173 | $11K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $177K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 32 | $25K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $152K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 173 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.