| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DR ROCKVALE, TN 371534439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| TIMOTHY CHAPPELL3 | 522 ROCK SPRINGS RD WATERTOWN, TN 37184 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| JOHN SNELLINGS INSURANCE AGENCY INC3 Filed as: JOHN SNELLINGS INSURANCE AGENCY | 1117 PERIMETER CTR STE W101 ATLANTA, GA 303385449 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 11.43% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.89% |
| MULTIPLE AGENTS*3 Filed as: MULTIPLE BROKER | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $11K | $266 | $11K | 14.37% |
| SNELLING WALTERS INSURANCE AGENCY3 | 1117 PERIMETER CTR STE W101 ATLANTA, GA 30338 | DELTA DENTAL OF TENNESSEE | $6K | — | $6K | 10.00% |
| SNELLING WALTERS INSURANCE AGENCY3 | 1117 PERIMETER CTR STE W101 ATLANTA, GA 30338 | DELTA DENTAL OF TENNESSEE | $1K | — | $1K | 10.00% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 192 | $60K |
| Vision | DELTA DENTAL OF TENNESSEE | 154 | $10K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 144 | $84K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 74 | $356K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 144 | $84K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 144 | $439K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.