| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 2839 PACES FERRY ROAD, SUITE 1200 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 8.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.85% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LCC | 3475 PIEDMONT ROAD NE, SUITE 800 ATLANTA, GA 30305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $195 | $0 | $195 | 0.13% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H. REYNOLDS III | 6724 GREEN ISLANDS DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $368 | $0 | $368 | 5.51% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | $0 | $109 | 1.63% |
| V C SMITH LLC3 | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | $0 | $69 | 1.03% |
| ROBERT M BAKER3 Filed as: ROBERT M. BAKER | 1940 SPRINGDALE DRIVE COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.70% |
| MJ INSURANCE3 Filed as: STEPHANIE PRUETT AND VARIOUS AGENTS | 630 EAST 57TH STREET SAVANNAH, GA 31405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | $0 | $40 | 0.60% |
| CORINNE L. LECLERCQ3 | 7009 EAST ACOMA DRIVE, UNIT 1094 SCOTTSDALE, AZ 85284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.46% |
| SUE C TUCKER3 Filed as: SUE C. TUCKER | 9856 U.S. HIGHWAY 29 NORTH CUSSETA, AL 36852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 0.46% |
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 | 244 | 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) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 349 | $154K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 349 | $154K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 48 | $7K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 349 | $154K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 349 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.