| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 331314937 | PAN AMERICAN LIFE INSURANCE COMPANY | $133K | — | $133K | 8.55% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SVCS | 800 MAIN STREET DUBUQUE, IA 52001 | PAN AMERICAN LIFE INSURANCE COMPANY | $23K | — | $23K | 1.45% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 180 N STETSON AVENUE CHICAGO, IL 60601 | BLUE CROSS BLUE SHIELD OF GEORGIA | $92K | — | $92K | 8.56% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | PO BOX 28 DUBUQUE, IA 52004 | BLUE CROSS BLUE SHIELD OF GEORGIA | $7K | — | $7K | 0.65% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $42K | — | $42K | 7.43% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SVCS | 800 MAIN STREET DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 2.47% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $77 | $38K | 7.60% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SVCS | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $682 | $9K | 1.74% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.95% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.25% |
| JOHN BECK3 Filed as: JOHN S HOLT | 1130 LOCKWOOD AVENUE SUITE 100 LOCKWOOD AVENUE COLUMBUS, GA 31906 | NORTHWESTERN MUTUAL | $3K | $698 | $3K | 3.26% |
| DAVID A SMITH3 | 1130 LOCKWOOD AVENUE SUITE 100 COLUMBUS, GA 31906 | NORTHWESTERN MUTUAL | $2K | $607 | $3K | 2.84% |
| ROBERT M DANNER3 | 3920 ARKWRIGHT ROAD MACON, GA 31210 | NORTHWESTERN MUTUAL | $518 | $186 | $704 | 0.66% |
| GOODWIN WRIGHT INC3 | PHIPPS TOWER SUITE 1200 3438 PEACHTREE ROAD ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $518 | $62 | $580 | 0.55% |
| COLONIAL LIFE & ACCIDENT3 Filed as: COLONIAL LIFE & ACCIDENT INSURANCE | VARIOUS AGENTS POST OFFICE BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $5K | $20K | 20.28% |
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 | 1,270 | 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) | 1,270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 1,874 | $2.6M |
| Dental(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF GEORGIA | 2,068 | $2.1M |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA | 1,874 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 1,137 | $2.1M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 904 | $572K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 904 | $678K |
| Other(3 contracts, 3 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 1,137 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,068 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.