| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WADLEY FINANCIAL GROUP, LLC3 Filed as: WADLEY FINANCIAL GROUP LLC | 415 HORIZON DRIVE BUILDING 200 SUITE 200 SUWANEE, GA 30024 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $347K | — | $347K | 6.97% |
| WADLEY FINANCIAL GROUP, LLC3 Filed as: WADLEY FINANCIAL GROUP LLC | 415 HORIZON DRIVE SUITE 200 SUWANEE, GA 30024 | METROPOLITAN LIFE INSURANCE COMPANY | $67K | — | $67K | 11.94% |
| J S BENEFITS INC3 Filed as: J S BENEFITS INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | $12K | $35K | 15.14% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $23K | — | $23K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.61% |
| J S BENEFITS INC3 Filed as: J S BENEFITS INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $5K | $15K | 15.29% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $580 | $580 | 0.60% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $4K | $12K | 15.28% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $458 | $458 | 0.59% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| WADLEY FINANCIAL GROUP, LLC3 Filed as: WADLEY FINANCIAL GROUP | 415 HORIZON DRIVE BUILDING 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $491 | $2K | 12.87% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $136 | $136 | 0.80% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $286 | $1K | 12.40% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BUILDING II SUITE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $79 | $79 | 0.66% |
| J S BENEFITS INC3 Filed as: J S BENEFITS INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $937 | $651 | $2K | 16.94% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $937 | — | $937 | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY SOUTH BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $85 | $85 | 0.91% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $876 | — | $876 | 10.00% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $876 | — | $876 | 10.00% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $724 | — | $724 | 10.00% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $724 | — | $724 | 10.00% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $709 | — | $709 | 10.01% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $709 | — | $709 | 10.01% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $135 | — | $135 | 9.30% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $135 | — | $135 | 9.30% |
| WADLEY FINANCIAL GROUP, LLC3 | 415 HORIZON DRIVE BUILDING 200 SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $145 | — | $145 | 10.00% |
| J S BENEFITS INC3 | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $145 | — | $145 | 10.00% |
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 | 598 | 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) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 598 | $5.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,297 | $563K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,297 | $563K |
| Life insurance(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 499 | $287K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 144 | $86K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 163 | $105K |
| Other(8 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 499 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,297 | — |
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.