| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 999 3RD AVENUE, SUITE 4100 SEATTLE, WA 98104 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $27 | $22K | 11.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 1018 WEST 9TH AVENUE KING OF PRUSSIA, PA 19406 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.32% |
| BRADLEY C. JACKSON3 | 186 NORTH AVENUE PITTSBURGH, PA 15202 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 30001 TAMPA, FL 33601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $977 | $977 | 1.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 600 HIGHWAY 169 SOUTH, SUITE 1200 SAINT LOUIS, MN 55426 | EYEMED | $2K | — | $2K | 9.24% |
| JAMES STANLEY ALLEN3 Filed as: JAMES L. HOLMAN | 2714 LYNDA LANE COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $309 | — | $309 | 3.48% |
| DOUGLAS H CRAWFORD JR3 Filed as: DOUGLAS H. CRAWFORD JR. | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $249 | — | $249 | 2.80% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR. | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $109 | — | $109 | 1.23% |
| BRADLEY BOLICK3 Filed as: BRADLEY S. BOLICK | 6400 GREEN ISLAND DRIVE, UNIT 15 COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.19% |
| C R RAMSEY POTTS3 Filed as: C.R. RAMSEY POTTS | PO BOX 484 BLOOMINGDALE, GA 31302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.19% |
| JAMES STANLEY ALLEN3 Filed as: JAMES L. HOLMAN | 2714 LYNDA LANE COLUMBUS, GA 31906 | AFLAC | $305 | — | $305 | 6.98% |
| DOUGLAS H CRAWFORD JR3 Filed as: DOUGLAS H. CRAWFORD JR. | 5188 KENDAL COURT COLUMBUS, GA 31907 | AFLAC | $161 | — | $161 | 3.69% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR. | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31905 | AFLAC | $83 | — | $83 | 1.90% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM L. AMOS AND COMPANY, INC. | 6801 RIVER ROAD, SUITE 205 COLUMBUS, GA 31904 | AFLAC | $44 | — | $44 | 1.01% |
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 | 262 | 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) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 616 | $191K |
| Vision | EYEMED | 311 | $22K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 616 | $191K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $88K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $88K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 616 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 616 | — |
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.