| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOVER INSURANCE AGENCY | 20 S HARNEY STREET CAMILLA, GA 31730 | AMERICAN NATIONAL LIFE | — | $1.4M | $1.4M | 355.39% |
| OPTUM TRANSPLANT SOLUTIONS | 62725 COLLECTION CENTER DR CHICAGO, IL 60693 | AMERICAN NATIONAL LIFE | — | $978K | $978K | 243.66% |
| DIVERSIFIED BENEFIT ADMINISTRATORS Filed as: DIVERSIFIED BENEFIT ADMINISTRATOR | 2024 E PINETREE BLVD THOMASVILLE, GA 31792 | AMERICAN NATIONAL LIFE | — | $35K | $35K | 8.81% |
| VERITAS ALLIES | 7140 NW SKYLINE BLVD PORTLAND, OR 97229 | AMERICAN NATIONAL LIFE | — | $29K | $29K | 7.16% |
| CAREVALET | 1646 W SNOW AVE APT #13 TAMPA, FL 33606 | AMERICAN NATIONAL LIFE | — | $6K | $6K | 1.38% |
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 | 187 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL LIFE | 187 | $401K |
| Dental | AMERICAN NATIONAL LIFE | 187 | $401K |
| Vision | AMERICAN NATIONAL LIFE | 187 | $401K |
| Prescription drug | AMERICAN NATIONAL LIFE | 187 | $401K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE | 187 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.