| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INSURANCE | 800 MAIN STREET DUBUQUE, IA 52001 | BLUE CROSS BLUE SHIELD OF GEORGIA | $119K | — | $119K | 4.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 60673 | BLUE CROSS BLUE SHIELD OF GEORGIA | $53K | — | $53K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE 10TH FLOOR MIAMI, FL 331314937 | PAN AMERICAN LIFE INSURANCE COMPANY | $46K | — | $46K | 4.66% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SVCS | 800 MAIN STREET DUBUQUE, IA 52001 | PAN AMERICAN LIFE INSURANCE COMPANY | $44K | — | $44K | 4.44% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SVCS | 800 MAIN STREET DUBUQUE, IA 52001 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $26K | $54K | 10.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | — | $35K | 6.44% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INSURANCE SVCS | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $4K | $31K | 6.30% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $53 | $22K | 4.54% |
| 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 | — | $650 | $650 | 0.13% |
| JOHN BECK3 Filed as: JOHN S HOLT | 1130 LOCKWOOD AVENUE SUITE 100 LOCKWOOD AVENUE COLUMBUS, GA 31906 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 5.48% |
| ROBERT M DANNER3 | 3920 ARKWRIGHT ROAD SUITE 100 MACON, GA 31210 | NORTHWESTERN MUTUAL | $518 | $186 | $704 | 0.59% |
| GOODWIN WRIGHT INC3 | PHIPPS TOWER SUITE 1200 3438 PEACHTREE ROAD ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $518 | $62 | $580 | 0.49% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $544 | $14K | 31.63% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $85 | $10K | 23.18% |
| JOHN BECK3 Filed as: JOHN S HOLT | 1130 LOCKWOOD AVE., STE. 100 COLUMBUS, GA 31906 | NORTHWESTERN MUTUAL | $4K | $882 | $4K | 14.60% |
| ROBERT M DANNER3 | 3920 ARKWRIGHT RD. SUITE 100 MACON, GA 31210 | NORTHWESTERN MUTUAL | $350 | $126 | $476 | 1.59% |
| GOODWIN WRIGHT INC3 | 3438 PEACHTREE RD.NE PHIPPS TOWER STE. 1200 ATLANTA, GA 30326 | NORTHWESTERN MUTUAL | $350 | $42 | $392 | 1.31% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM & BUTLER INS. SERVICES | PO BOX 28 DUBUQUE, IA 520040028 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $296 | $6K | 32.72% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PL CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $68 | $5K | 22.79% |
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 | 1,407 | 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) | 1,407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF GEORGIA | 1,656 | $3.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,954 | $495K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA | 1,656 | $2.7M |
| Life insurance(2 contracts, 2 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 784 | $1.5M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 775 | $536K |
| Long-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 775 | $685K |
| Other(4 contracts, 3 carriers) | PAN AMERICAN LIFE INSURANCE COMPANY | 784 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,954 | — |
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.