| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $173K | $349 | $174K | 2.95% |
| 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. | $85K | — | $85K | 1.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY,LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | GREATER GEORGIA LIFE INSURANCE COMPANY | $27K | $3K | $30K | 8.35% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 300 WEST 10TH STREET WEST POINT, GA 31833 | GREATER GEORGIA LIFE INSURANCE COMPANY | $24K | — | $24K | 6.74% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 70 WEST POINT, GA 31833 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 8.76% |
| STEPHANIE K NUCKOLLS3 Filed as: STEPHANIE NUCKOLLS | 284 KESWICK DRIVE CHATSWORTH, GA 30705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 8.23% |
| ADCOCK FINANCIAL GROUP3 Filed as: ADCOCK FINANCIAL GROUP INC | PO BOX 2206 DALTON, GA 30722 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.77% |
| JOHN KOWN II3 | 1275 SHILOH ROAD SUITE 2260 KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.36% |
| DANIEL E ZECKMAN3 Filed as: DANIEL ZECKMAN | 4399 HARRIS FARMS CT AUSTELL, GA 30106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.25% |
| JENNIFER CARNAHAN3 | 1908 LANDFALL PASS KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $470 | — | $470 | 0.41% |
| KAREN H SMITH3 Filed as: KAREN SMITH | 145 CHURCH ST NE SUITE 200 MARIETTA, GA 30060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $322 | — | $322 | 0.28% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $292 | — | $292 | 0.25% |
| DARYL PERRY3 | 1241 WADE GREEN CT ACWORTH, GA 30102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $290 | — | $290 | 0.25% |
| ANDREW DAVID KOWN3 Filed as: ANDREW KOWN | 710 CREEK GARDEN CT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $264 | — | $264 | 0.23% |
| SANDRA L SIEBERT3 Filed as: SANDRA SIEBERT | 6070 TANGLE TREE DR ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $141 | — | $141 | 0.12% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD TIDWELL | PO BOX 1801 CUMMING, GA 30028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 0.09% |
| ANGELICA SAMANIEGO3 | 782 N STEELE DRIVE HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $64 | — | $64 | 0.06% |
| DONNA M JOHNSON3 Filed as: DONNA JOHNSON | PO BOX 335 SUNNYSIDE, GA 30284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.02% |
| ANDY GLENN3 | 4267 BRIGHTON WAY KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| JOSEPH DUCKETT3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $7K | 20.59% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | ONE SOUTH JEFFERSON ST ROANOKE, VA 24066 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 402 WEST HAWTHORNE ST DALTON, GA 30720 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $328 | — | $328 | 0.97% |
| PEACHTREE PLANNING OF GEORGIA3 | 5040 ROSWELL RD ATLANTA, GA 30342 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
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 | 602 | 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) | 602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 602 | $5.9M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 602 | $5.9M |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 602 | $5.9M |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 579 | $358K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 579 | $358K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 579 | $358K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 544 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 602 | — |
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."
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.