| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 1745 N BROWN ROAD SUITE 250 LAWRENCEVILLE, GA 30043 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $79K | $81K | 5.32% |
| ANDERSON CORPORATE SOLUTIONS INC3 | 1735 N BROWN ROAD SUITE 220 LAWRENCEVILLE, GA 30043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| ANDERSON CORPORATE SOLUTIONS INC3 | 1735 N BROWN ROAD SUITE 220 LAWRENCEVILLE, GA 30043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| ANDERSON CORPORATE SOLUTIONS INC3 | 1735 N BROWN ROAD SUITE 220 LAWRENCEVILLE, GA 30043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| KAREN H SMITH3 | 145 CHURCH STREET NE SUITE 200 MARIETTA, GA 30060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 6.75% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.94% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $632 | $0 | $632 | 1.46% |
| ANDREW D KOWN3 | 710 CREEKGARDEN COURT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $494 | $0 | $494 | 1.14% |
| ADAM T HARRIS3 | 126 HIDDEN LAKE CIRCLE CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | $0 | $132 | 0.30% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FL 2 BOSTON, MA 02110 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | $0 | $129 | 0.30% |
| RONALD S SANDERS3 | 1194 E LAKEVIEW DRIVE SAN TAN VALLEY, AZ 85143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | $0 | $78 | 0.18% |
| DAVID C CLOUD JR3 Filed as: DAVID C CLOUD | 89 GEMSTONE LANE ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.05% |
| CHARLES S MADISON3 | 3303 COBB PKWY NW SUITE 324-354 ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD M TIDWELL | PO BOX 1801 CUMMING, GA 30028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| RYAN E MCPHAIL3 | 206 ARBOR COURT CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| AMY A O SHIELDS3 Filed as: AMY A O'SHIELDS | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN R JOHNSON | 50 HURT PLAZA SE SUITE 995 ATLANTA, GA 30306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW COURT SE MABLETON, GA 30126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 2219 MCCAHILL COURT BUFORD, GA 30519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| ANDERSON CORPORATE SOLUTIONS INC3 | 1735 N BROWN ROAD SUITE 220 LAWRENCEVILLE, GA 30043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 404 | $1.5M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 199 | $95K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 404 | $1.5M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $64K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $38K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $48K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.
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.