| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 2475 PIEDMONT ROAD ATLANTA, GA 30305 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $30K | $0 | $30K | 15.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 201503 DALLAS, TX 75320 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $3K | $0 | $3K | 5.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 201503 DALLAS, TX 75320 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | $0 | $2K | 3.66% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 201503 DALLAS, TX 75320 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $1K | $0 | $1K | 1.75% |
| KIMBERLY D FARMER3 Filed as: KIMBERLY B. FARMER | 4931 RIVERSIDE DRIVE MACON, GA 31210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.05% |
| PATRICIA R ARWOOD3 Filed as: PATRICIA R. ARWOOD | 851 CHRISTIAN ROAD JULIETTE, GA 31046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | $0 | $46 | 0.16% |
| KIMBERLY D FARMER3 Filed as: KIMBERLY B. FARMER | 286 RUE CARIBE MIRAMAR BEACH, FL 32550 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.20% |
| PATRICIA R ARWOOD3 Filed as: PATRICIA R. ARWOOD | 851 CHRISTIAN ROAD JULIETTE, GA 31046 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 201629 DALLAS, TX 75320 | AETNA LIFE INSURANCE CO. | $553 | $0 | $553 | 8.82% |
| WILLIAM FARMER3 Filed as: WILLIAM G FARMER | 712 IRONGATE MACON, GA 31220 | AFLAC | $185 | $0 | $185 | 5.14% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $85 | $0 | $85 | 2.36% |
| PATRICIA R ARWOOD3 | 851 CHRISTIAN ROAD JULIETTE, GA 31046 | AFLAC | $57 | $0 | $57 | 1.58% |
| JASON B WEST3 | 1701 BASS ROAD SUITE 200 MACON, GA 31210 | AFLAC | $47 | $0 | $47 | 1.30% |
| WILLIAM L AMOS & CO INC3 | 6801 RIVER ROAD SUITE 205 COLUMBUS, GA 31904 | AFLAC | $25 | $0 | $25 | 0.69% |
| KIMBERLY D FARMER3 | 4931 RIVERSIDE DRIVE SUITE 100C MACON, GA 31210 | AFLAC | $25 | $0 | $25 | 0.69% |
| MJ INSURANCE3 Filed as: BRADLEY S BOLICK AND VARIOUS AGENTS | 6433 FALL BRANCH DRIVE COLUMBUS, GA 31904 | AFLAC | $6 | $0 | $6 | 0.17% |
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 | 375 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 9 | $6K |
| Dental | AETNA LIFE INSURANCE CO. | 9 | $6K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 536 | $67K |
| Life insurance(4 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 372 | $251K |
| Short-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 372 | $207K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 372 | $200K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 9 | $6K |
| Other(5 contracts, 4 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 372 | $255K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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.