| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORACE E GASKINS JR3 Filed as: HORACE E. GASKINS JR. | 327 HORSESHOE BEND WOODSTOCK, GA 30189 | AMERICAN HERITAGE LIFE INSURANCE | $20K | — | $20K | 7.37% |
| MICHAEL R. BRITTON3 | 101 A ELLIOTT DRIVE, NW ROME, GA 30165 | AMERICAN HERITAGE LIFE INSURANCE | $10K | — | $10K | 3.70% |
| CHRISTINE HUGHES3 | 25 GABLES DR. ROME, GA 30161 | AMERICAN HERITAGE LIFE INSURANCE | $5K | — | $5K | 2.00% |
| RYKMAN INS & FINL LLC3 | 1000 JOHNSON FERRY RD. STE B120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE | $3K | — | $3K | 0.97% |
| GARY C. WRIGHT3 | 5031 WELLINGTON WAY MIDLAND, GA 31820 | AMERICAN HERITAGE LIFE INSURANCE | $1K | — | $1K | 0.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | $561K |
| FLORES & ASSOCIATES EIN 56-1542307 COBRA-FSA ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 1218 S CHURCH ST. CHARLOTTE, NC 28203 | $40K |
| J. ARTHUR DAIL, INC. EIN 58-1902702 BROKER AND CONSULTANT | Insurance agents and brokers Service code 22 | 6000 FAIRVIEW ROAD SUITE 1180 CHARLOTTE, NC 28210 | $0 |
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 | 805 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE | 458 | $271K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE | 458 | $271K |
| Other | AMERICAN HERITAGE LIFE INSURANCE | 458 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.