| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 123103 DALLAS, TX 75312 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $18K | $0 | $18K | 4.32% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVENUE, STE 1200 DALLAS, TX 75201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 4.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P.O. BOX 123103 DALLAS, TX 75312 | GREATER GEORGIA LIFE INSURANCE COMPANY | $32K | $14K | $46K | 14.16% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123103 DALLAS, TX 75312 | HCC | $15K | $15K | $30K | 9.75% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY, INC | 6300 BRIDGEPOINT PKWY BLDG 3, STE 500 AUSTIN, TX 78730 | ACE COMPANIES | $30K | $0 | $30K | 13.28% |
| LOCKTON COMPANIES, LLC3 Filed as: MT. WEST SERIES OF LOCKTON CO. | P.O. BOX 741738 ATLANTA, GA 30374 | ACE COMPANIES | $11K | $0 | $11K | 4.71% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY, INC. | 6300 BRIDGEPOINT PARKWAY BUILDING 3, STE 500 AUSTIN, TX 78730 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 13.33% |
| LOCKTON COMPANIES, LLC3 Filed as: MT. WEST SERIES OF LOCKTON CO. | P.O. BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.67% |
| JASON PARKER3 | 346 CHELSEA PARK LANE, APT F NORCROSS, GA 30092 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | $0 | $13K | 58.19% |
| ERDWIN A KRAUSE3 | 3869 WINTER GREEN CT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 8.92% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD, STE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 7.73% |
| STEPHEN C SNYDER BENE SOLUTIONS LLC3 | 125 PLANTATION CENTRE DRIVE S STE 900B MACON, GA 31210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.70% |
| JOSHUA K HOPPE3 | 1327 ETHAN COURT YORKTOWN HEIGHTS, NY 10596 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.04% |
| GREGORY D JOURGENSEN3 | 6974 WILDERNE SS TRAIL CHEYENNE, WY 82001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.82% |
| LISA ADKINS-MANDELDOVE3 Filed as: LISA D ADKINS-MANDELDOVE | 1216 TRED AVON WAY LILBURN, GA 30047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $421 | $0 | $421 | 1.86% |
| ROBERT F LANSFORD3 | 5018 AMBER WAY NW ACWORTH, GA 30102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $403 | $0 | $403 | 1.78% |
| JAMES TOPE3 | P.O. BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $298 | $0 | $298 | 1.32% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 2110 CHARMARI E CT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $260 | $0 | $260 | 1.15% |
| ALAN D HURT3 | P.O. BOX 277 MOUND CITY, KS 66056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $190 | $0 | $190 | 0.84% |
| TODD A STULL3 | 8203 WILLOW PLACE DRIVE S, STE 510 HOUSTON, TX 77070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | $0 | $179 | 0.79% |
| DANIEL E ZECKMAN3 | 4399 HARRIS FARMS CT AUSTELL, GA 30106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | $0 | $79 | 0.35% |
| BRENNAN HURT3 Filed as: BRENNAN A HURT | 709 N BROADWAY PITTSBURG, KS 66762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $65 | $0 | $65 | 0.29% |
| CALEB GILMOUR3 | 515 S. MAIN, STE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.12% |
| ROSLYN M KLEINMAN3 Filed as: ROSLYN KLEINMAN | 33824 N PATE PLACE CAVE CREEK, AZ 85331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.11% |
| ANGELA MONTENEGRO3 | 1 PELHAM RD NEW ROCHELLE, NY 10801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.07% |
| JEFF KLEINMAN3 | 2355 W PINNACLE PEAK RD, STE 380 PHOENIX, AZ 85027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Non-monetary compensation; Contract Administrator; Other services; Claims processing; Named fiduciary; Float revenue; Participant communication; Direct payment from the plan Service code 12 | — | $974K |
| BOON ADMINISTRATIVE SERVICES, INC. EIN 33-0449333 NONE | Float revenue; Other insurance fees and expenses; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | 6300 BRIDGEPOINT PARKWAY BUILDING 3, STE 500 AUSTIN, TX 78730 | $390K |
| WITHUMSMITH&BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing) Service code 10 | 465 SOUTH STREET MORRISTOWN, NJ 07960 | $18K |
| CIGNA | Claims processing; Contract Administrator; Direct payment from the plan; Non-monetary compensation; Named fiduciary; Float revenue; Participant communication; Other services Service code 12 | — | $0 |
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 | 1,279 | 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) | 1,279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,286 | $905K |
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 1,342 | $413K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 1,342 | $413K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,117 | $323K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,117 | $323K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,117 | $323K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,286 | $638K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 488 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,342 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.