| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DON W. ADCOCK | PO BOX 2206 DALTON, GA 30722 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $242K | — | $242K | 5.26% |
| ADCOCK FINANCIAL GROUP | PO BOX 2206 DALTON, GA 30722 | GREATER GEORGIA LIFE INSURANCE COMPANY | $6K | — | $6K | 3.30% |
| ADCOCK FINANCIAL GROUP3 Filed as: ADCOCK FINANCIAL GROUP, INC. | 402 W HAWTHORNE ST PO BOX 2206 DALTON, GA 30722 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $253 | $1K | 2.35% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS, INC | ONE RIVINIA DRIVE ATLANTA, GA 30346 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$75 | — | -$75 | -0.14% |
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 | 557 | 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) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 557 | $4.6M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 557 | $4.8M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 557 | $4.6M |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 554 | $190K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 554 | $190K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 554 | $190K |
| Other | GREATER GEORGIA LIFE INSURANCE COMPANY | 554 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.