| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY SE, SUITE 600 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 15.00% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H. REYNOLDS III | 6724 GREEN ISLAND DRIVE COLUBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $203 | $0 | $203 | 4.34% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 1.24% |
| V C SMITH LLC3 | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.68% |
| MJ INSURANCE3 Filed as: STEPHANIE PRUETT AND VARIOUS AGENTS | 630 EAST 57TH STREET SAVANNAH, GA 31405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.51% |
| CORINNE L. LECLERCQ3 | 7009 EAST ACOMA DRIVE, UNIT 1094 SCOTTSDALE, AZ 85284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.49% |
| ROBERT M BAKER3 Filed as: ROBERT M. BAKER | 1940 SPRINGDALE DRIVE COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.47% |
| SUE C TUCKER3 Filed as: SUE C. TUCKER | 9856 U.S. HIGHWAY 29 NORTH CUSSETA, AL 36852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.26% |
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 | 274 | 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) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $47K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 274 | $92K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 48 | $5K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 274 | $92K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 274 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.