| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 5668 CONCORD, CA 94524 | STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 11.93% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 5668 CONCORD, CA 94524 | STANDARD INSURANCE COMPANY | $15K | — | $15K | 14.56% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 5668 CONCORD, CA 94525 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 13.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 102159 PASADENA, CA 91189 | EYEMED VISION CARE | $1K | — | $1K | 3.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P O BOX 5668 CONCORD, CA 94524 | EYEMED VISION CARE | $403 | — | $403 | 1.00% |
| TULLY AND COMPANY INC3 Filed as: TULLY AND COMPANY | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $31 | $2K | 8.20% |
| ROTH & ASSOCIATES3 Filed as: ROTH AND ASSOCIATES INC | 180 HELMSLEY DRIVE ATLANTA, GA 30327 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $117 | — | $117 | 0.59% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $1 | $66 | 0.33% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.15% |
| COLONIAL LIFE BROKERAGE LLC3 Filed as: COLONIAL LIFE BROKER LLC | 1995 TROTTERS RIDGE WAY ROSWELL, GA 30075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $9 | $15 | 0.08% |
| CRAIG ALEXANDER MILLER3 | 30 SOUTHFORK ROAD DADEVILLE, AL 36853 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.06% |
| NINA LEGATE3 | 4159 GEMSTONE TER MARIETTA, GA 30062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN AND ASSOCIATES INCORPORATED | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.05% |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.03% |
| BSK BENEFITS PLUS LLC3 | 205 PINECREST DRIVE COVINGTON, LA 70433 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| THE HORTON GROUP3 Filed as: ANITA HORTON | 591 FAIRWAY DR WOODSTOCK, GA 30189 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EPIC INSURANCE BROKERS & CONSULTANT EIN 94-3195221 BROKER | Insurance services; Insurance agents and brokers Service code 22 | — | $170K |
| ALLIED BENEFIT SYSTEMS INC EIN 36-3086057 CLAIMS ADMIN | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator Service code 12 | — | $94K |
| AETNA LIFE INSURANCE EIN 06-6033492 PPO | Other fees Service code 99 | — | $77K |
| MARQUEE HEALTH LLC EIN 46-5472798 WELLNESS | Other fees Service code 99 | — | $11K |
| TELADOC EIN 35-2351217 UTILIZATION REVIEW | Consulting fees Service code 70 | — | $6K |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 658 | $40K |
| Life insurance | STANDARD INSURANCE COMPANY | 437 | $87K |
| Short-term disability | STANDARD LIFE INSURANCE COMPANY | 442 | $104K |
| Long-term disability | STANDARD INSURANCE COMPANY | 499 | $102K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 372 | $523K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 28 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.