| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY, LLC | 200 CORPORATE CENTER DRIVE SUITE A STOCKBRIDGE, GA 30281 | EQUITABLE | $30K | — | $30K | 10.41% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BUILDING I SUITE 100 AUSTIN, TX 78766 | EQUITABLE | — | $11K | $11K | 4.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $4K | $13K | 6.40% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKBRIDGE INSURANCE AGENCY INC | PO BOX 1049 LAGRANGE, GA 30241 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 4.92% |
| A2 HOLDINGS, LLC3 Filed as: A2 HOLDINGS LLC | 887 WEST MARIETTA STREET NORTHWEST SUITE N108 ATLANTA, GA 30318 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $614 | $9K | 4.53% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 3.02% |
| ANDREW DAVID KOWN3 | 6130 RIVER SHORE PARKWAY ATLANTA, GA 30328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 25.26% |
| ROBERT WAYNE TAYLOR3 | 887 WEST MARIETTA STREET NORTHWEST SUITE N108 ATLANTA, GA 30318 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 12.15% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.39% |
| FRAN C HARGARTEN III3 Filed as: FRAN C HARGATEN III | 96015 LONG BEACH DRIVE FERNANDINA BEACH, FL 32034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.62% |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 500 | $202K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 500 | $202K |
| Life insurance | EQUITABLE | 369 | $283K |
| Short-term disability | EQUITABLE | 369 | $283K |
| Long-term disability | EQUITABLE | 369 | $283K |
| Other(2 contracts, 2 carriers) | EQUITABLE | 369 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 500 | — |
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.