| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HG CONSULTING GROUP LLC3 | 236 CREEKSTONE RIDGE WOODSTOCK, GA 30188 | AMERICAN HERITAGE LIFE INSURANCE | $27K | — | $27K | 8.97% |
| MATTHEW PEPPERS3 | 101 ELLIOTT DRIVE NW, STE A ROME, GA 30165 | AMERICAN HERITAGE LIFE INSURANCE | $6K | — | $6K | 2.15% |
| LOCKTON COMPANIES, LLC3 | THREE CITYPLACE DRIVE, SUITE 900 ST. LOUIS, MO 631417088 | AMERICAN HERITAGE LIFE INSURANCE | $6K | — | $6K | 2.00% |
| CHRISTINE HUGHES3 | 25 GABLES DR. ROME, GA 30161 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 0.76% |
| RYKMAN INS & FINL LLC3 | 1000 JOHNSON FERRY RD., SUITE B120 MARIETTA, GA 30068 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 0.72% |
| GARY C. WRIGHT3 | 114 S, CLOUDVIEW ROAD, SE ROME, GA 30161 | AMERICAN HERITAGE LIFE INSURANCE | $939 | — | $939 | 0.31% |
| JASON CRUMLEY3 | 803 N. TENNESSEE STREET CARTERSVILLE, GA 30120 | AMERICAN HERITAGE LIFE INSURANCE | $294 | — | $294 | 0.10% |
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 | 808 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 812 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE | 163 | $300K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE | 163 | $300K |
| Other | AMERICAN HERITAGE LIFE INSURANCE | 163 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
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.