| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.96% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H. REYNOLDS III | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $261 | $0 | $261 | 3.21% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.96% |
| V C SMITH LLC3 | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | $0 | $49 | 0.60% |
| ROBERT M BAKER3 Filed as: ROBERT M. BAKER | 1940 SPRINGDALE DRIVE COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 0.47% |
| MJ INSURANCE3 Filed as: CANDACE JACKSON AND VARIOUS AGENTS | 125 PLANTATIION CENTER DRIVE SOUTH SUITE 900B MACON, GA 31210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.39% |
| SUE C TUCKER3 Filed as: SUE C. TUCKER | 9856 U.S. HIGHWAY 29 NORTH CUSSETA, AL 36852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.25% |
| CORINNE L. LECLERCQ3 | 1009 EAST ACOMA DRIVE, UNIT 1094 SCOTTSDALE, AZ 85284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.21% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 314 | $138K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 314 | $138K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 48 | $8K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 314 | $138K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 314 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.