| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADCOCK FINANCIAL GROUP Filed as: ADCOCK FINANCIAL GROUP, INC. | PO BOX 2206 DALTON, GA 30722 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $188K | $8K | $196K | 3.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 WEST 10TH STREET WEST POINT, GA 31833 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $65K | — | $65K | 1.15% |
| ADCOCK FINANCIAL GROUP3 | PO BOX 2206 DALTON, GA 30722 | GREATER GEORGIA LIFE INSURANCE COMPANY | $32K | $8K | $40K | 16.74% |
| ADCOCK FINANCIAL GROUP3 Filed as: ADCOCK FINANCIAL GROUP INC | PO BOX 2206 DALTON, GA 30722 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17K | — | $17K | 11.98% |
| STEPHANIE K NUCKOLLS3 Filed as: STEPHANIE NUCKOLLS | 284 KESWICK DRIVE CHATSWORTH, GA 30705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 9.68% |
| JOHN KOWN II3 | 1275 SHILOH ROAD SUITE 2260 KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.40% |
| DARYL PERRY3 | 1241 WADE GREEN CT ACWORTH, GA 30102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.15% |
| KAREN H SMITH3 Filed as: KAREN SMITH | 1550 FALLEN LEAF DRIVE MARIETTA, GA 30064 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.09% |
| JENNIFER CARNAHAN3 | 1908 LANDFALL PASS KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.01% |
| ANDREW DAVID KOWN3 Filed as: ANDREW KOWN | 710 CREEK GARDEN CT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.76% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.70% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD TIDWELL | PO BOX 1801 CUMMING, GA 30028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $680 | — | $680 | 0.47% |
| SANDRA L SIEBERT3 Filed as: SANDRA SIEBERT | 6070 TANGLE TREE DR ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $549 | — | $549 | 0.38% |
| DANIEL E ZECKMAN3 Filed as: DANIEL ZECKMAN | 4399 HARRIS FARMS CT AUSTELL, GA 30106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $477 | — | $477 | 0.33% |
| ANGELICA SAMANIEGO3 | 782 N STEELE DRIVE HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $251 | — | $251 | 0.17% |
| DONNA M JOHNSON3 Filed as: DONNA JOHNSON | PO BOX 335 SUNNYSIDE, GA 30284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.05% |
| ANDY GLENN3 | 4267 BRIGHTON WAY KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.03% |
| ADCOCK FINANCIAL GROUP3 Filed as: ADCOCK FINANCIAL GROUP INC | PO BOX 2206 DALTON, GA 30722 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.58% |
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $972 | $189 | $1K | 5.15% |
| MARSH & MCLENNAN AGENCY LLC3 | 206 EXCHANGE PLACE HUNTSVILLE, AL 35806 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.66% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISERS INC | ONE RAVINIA DR 1750 ATLANTA, GA 30346 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $86 | — | $86 | 0.38% |
| PEACHTREE PLANNING OF GEORGIA3 | 5040 ROSWELL RD ATLANTA, GA 30342 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21 | — | $21 | 0.09% |
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 | 585 | 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) | 585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 585 | $5.7M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 585 | $5.7M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 585 | $5.7M |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 579 | $241K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 579 | $241K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 579 | $241K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 502 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.