| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C B GRUBBS3 Filed as: C.B. GRUBBS | 312 N CRAWFORD ST THOMASVILLE, GA 31792 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $2K | — | $2K | 4.51% |
| SPECTRUM SOLUTIONS INC3 Filed as: SPECTRUM SOLUTIONS, INC | 213 GOVERNOR WALK KATHLEEN, GA 31047 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $1K | $59 | $1K | 2.63% |
| DEBORAH L GARLAND3 Filed as: DEBORAH L. GARLAND | 217 CLAIRE DRIVE THOMASVILLE, GA 31792 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $637 | — | $637 | 1.34% |
| FRANK GILLELAND3 | 182 MEADOWLARK LANE FITZGERALD, GA 31750 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $547 | — | $547 | 1.15% |
| YOUNG AGENCY LLC | 326 WESLEY CIRCLE MACON, GA 31204 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $161 | $58 | $219 | 0.46% |
| WILLIAM JASON JOINER | 110 ROBINSON WAY WARNER ROBBINS, GA 31088 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $18 | $87 | $105 | 0.22% |
| DEMOS GINAKES3 | 1020 W INTERNATIONAL SPEEDWAY BLVD DAYTONA BEACH, FL 32114 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $19 | — | $19 | 0.04% |
| HOLLERN & ASSOCIATES INCORPORATED3 Filed as: HOLLERN & ASSOCIATES INC | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | $4 | — | $4 | 0.01% |
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 | 62 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE CO. | 62 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 62 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.