| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE HEALTHCARE FIANANCING, IN3 | 85 SHARPOTOP RIDGE RD JASPER, GA 30143 | ZURICH AMERICAN INSURANCE COMPANY | $35K | — | $35K | 4.50% |
| CCHI RE, LLC3 | 66 FRANKLIN ST, SUITE 300 OAKLAND, CA 94607 | ZURICH AMERICAN INSURANCE COMPANY | — | $35K | $35K | 4.50% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY INC | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | AETNA LIFE INSURANCE CO. | $18K | — | $18K | 6.27% |
| AON CONSULTING INC3 Filed as: AON CORPORATION | 29840 NETWORK PLACE CHICAGO, IL 606731298 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 1.32% |
| BURNETTE INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 300242402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 13.80% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $537 | $4K | 5.77% |
| AON CONSULTING INC3 | 6501 AMERICAS PARKWAY NE STE 650 ALBUQUERQUE, NM 87110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $839 | — | $839 | 1.20% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY INC | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 13.82% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $474 | $3K | 5.49% |
| AON CONSULTING INC3 | 6501 AMERICAS PARKWAY NE STE 650 ALBUQUERQUE, NM 87110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $637 | — | $637 | 1.18% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY INC | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 14.93% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES - ALBUQUERQUE | PO BOX 955909 ST. LOUIS, MO 63195 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.07% |
| STEPHAN SCEROLER3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $336 | $7K | 20.94% |
| BURNETTE INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $249 | $2K | 5.70% |
| AON CONSULTING INC3 | 6501 AMERICAS PARKWAY NE STE 650 ALBUQUERQUE, NM 87110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $839 | — | $839 | 2.34% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY INC | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 13.80% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $330 | $2K | 5.60% |
| AON CONSULTING INC3 | 6501 AMERICAS PARKWAY NE STE 650 ALBUQUERQUE, NM 87110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $399 | — | $399 | 1.21% |
| STEPHAN SCEROLER3 | 377 HIGHWAY 21 SUITE 100 MADISONVILLE, LA 70447 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $190 | $4K | 20.98% |
| BURNETTE INSURANCE AGENCY3 | 3447 LAWRENCEVILLE SUWANEE, GA 300242402 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $975 | $141 | $1K | 5.72% |
| AON CONSULTING INC3 | 6501 AMERICAS PARKWAY NE STE 650 ALBUQUERQUE, NM 87110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $463 | — | $463 | 2.37% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY INC | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 31.91% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 292012939 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.80% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY INC | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | — | $1K | 7.45% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INSURANCE AGENCY INC | 3447 LAWRENCEVILLE SUWANEE RD SUWANEE, GA 30024 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $564 | — | $564 | 13.78% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $188 | $33 | $221 | 5.40% |
| AON CONSULTING INC3 | 6501 AMERICAS PARKWAY NE STE 650 ALBUQUERQUE, NM 87110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $50 | — | $50 | 1.22% |
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 | 227 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 552 | $279K |
| Vision | AETNA LIFE INSURANCE CO. | 552 | $279K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 263 | $70K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 263 | $33K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 263 | $72K |
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INSURANCE COMPANY | 244 | $785K |
| Other(6 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 288 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 552 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.