| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, STE 1200 DALLAS, TX 75201 | HCC | $52K | $33K | $86K | 11.92% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E. UNION, STE 700 DENVER, CO 80237 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $0 | $21K | $21K | 5.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, STE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $16K | $0 | $16K | 3.96% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 WEST 47TH STREET, STE 900 KANSAS CITY, MA 64112 | GREATER GEORGIA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 9.83% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 8110 E. UNION, STE 700 DENVER, CO 80237 | GREATER GEORGIA LIFE INSURANCE COMPANY | $0 | $322 | $322 | 0.14% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY, INC | 6300 BRIDGEPOINT PKWY BLDG 3, STE 500 AUSTIN, TX 78730 | ACE COMPANIES | $17K | $0 | $17K | 11.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - GA | P.O. BOX 741738 ATLANTA, GA 30374 | ACE COMPANIES | $9K | $0 | $9K | 6.00% |
| JASON PARKER3 | 400 PHARR RD NE, UNIT 649 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 4.74% |
| ERDWIN A KRAUSE3 | 3869 WINTER GREEN CT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.26% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIRCLE FERNANDINA BEACH, FL 32034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.70% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD, STE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.69% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD M TIDWELL | P.O. BOX 1801 CUMMING, GA 30028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $977 | $0 | $977 | 0.64% |
| LISA ADKINS-MANDELDOVE3 Filed as: LISA D ADKINS-MANDELDOVE | 1216 TRED AVON WAY LILBURN, GA 30047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $355 | $0 | $355 | 0.23% |
| JAMES TOPE3 | P.O. BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $265 | $0 | $265 | 0.17% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 2110 CHARMARI E CT MARIETTA, GA 30062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $239 | $0 | $239 | 0.16% |
| STEPHEN C SNYDER BENE SOLUTIONS LLC3 | 125 PLANTATION CENTRE DRIVE S STE 900B MACON, GA 31210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | $0 | $183 | 0.12% |
| TODD A STULL3 | 8203 WILLOW PLACE DRIVE S, STE 510 HOUSTON, TX 77070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $147 | $0 | $147 | 0.10% |
| GREGORY D JOURGENSEN3 | 6974 WILDERNE SS TRAIL CHEYENNE, WY 82001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | $0 | $57 | 0.04% |
| BRENNAN HURT3 Filed as: BRENNAN A HURT | 709 N BROADWAY PITTSBURG, KS 66762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | $0 | $57 | 0.04% |
| ALAN D HURT3 | P.O. BOX 277 MOUND CITY, KS 66056 | CONTINENTAL AMERICAN INSURANCE COMPANY | $56 | $0 | $56 | 0.04% |
| ROSLYN M KLEINMAN3 Filed as: ROSLYN KLEINMAN | 33824 N PATE PLACE CAVE CREEK, AZ 85331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 0.03% |
| CALEB GILMOUR3 | 515 S. MAIN, STE 501 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | $0 | $24 | 0.02% |
| ROBERT F LANSFORD3 | 5018 AMBER WAY NW ACWORTH, GA 30102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | $0 | $22 | 0.01% |
| DANIEL E ZECKMAN3 | 4399 HARRIS FARMS CT AUSTELL, GA 30106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | $0 | $20 | 0.01% |
| JEFF KLEINMAN3 | 2355 W PINNACLE PEAK RD, STE 380 PHOENIX, AZ 85027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | $0 | $12 | 0.01% |
| ANGELA MONTENEGRO3 | 1 PELHAM RD NEW ROCHELLE, NY 10801 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| 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 | $3K | $0 | $3K | 7.26% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES - GA | P.O. BOX 741738 ATLANTA, GA 30374 | AETNA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Float revenue; Other services; Direct payment from the plan; Participant communication; Non-monetary compensation; Named fiduciary; Claims processing; Contract Administrator Service code 12 | — | $985K |
| BOON ADMINISTRATIVE SERVICES, INC. EIN 33-0449333 NONE | Contract Administrator; Float revenue; Other insurance fees and expenses; Claims processing Service code 12 | 6300 BRIDGEPOINT PARKWAY BUILDING 3, STE 500 AUSTIN, TX 78730 | $211K |
| WITHUMSMITH&BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing) Service code 10 | 465 SOUTH STREET MORRISTOWN, NJ 07960 | $14K |
| COMERICA BANK NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | 8850 BOEDECKER STREET MAIL CODE 6581 DALLAS, TX 75225 | $6K |
| CIGNA | Named fiduciary; Participant communication; Claims processing; Float revenue; Contract Administrator; Other services; Non-monetary compensation; Direct payment from the plan 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 | 1,537 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HCC | 1,362 | $917K |
| Dental | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 2,430 | $398K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 2,430 | $398K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,287 | $231K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,287 | $231K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,287 | $231K |
| Stop-loss / reinsurancereinsurance | HCC | 1,362 | $719K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 517 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,430 | — |
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.