| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES GROUP, LLC3 Filed as: THE JAMES GROUP LLC | 6055 PRIMACY PARKWAY SUITE 300 MEMPHIS, TN 38119 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $143K | — | $143K | 4.63% |
| THE JAMES GROUP, LLC3 Filed as: THE JAMES GROUP LLC | 6750 POPLAR AVENUE SUITE 208 MEMPHIS, TN 38138 | STARMOUNT LIFE INSURANCE COMPANY | $19K | $4K | $23K | 10.60% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS IN | 3400 OVERTON PARK DR SE STE 300 ATLANTA, GA 30339 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $224 | $3K | 1.53% |
| THE JAMES GROUP, LLC3 Filed as: THE JAMES GROUP LLC | 6750 POPLAR AVENUE SUITE 208 MEMPHIS, TN 38138 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | 6.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS IN | 3400 OVERTON PARK DR SE STE 300 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $569 | $142 | $711 | 0.44% |
| THE JAMES GROUP, LLC3 Filed as: THE JAMES GROUP LLC | 6750 POPLAR AVENUE SUITE 208 MEMPHIS, TN 38138 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $940 | $9K | 14.79% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS IN | 3400 OVERTON PARK DR SE STE 300 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $53 | $1K | 1.94% |
| THE JAMES GROUP, LLC3 Filed as: THE JAMES GROUP LLC | 6750 POPLAR AVENUE SUITE 208 MEMPHIS, TN 38138 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $517 | $3K | 9.37% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS IN | 3400 OVERTON PARK DR SE STE 300 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $473 | $39 | $512 | 1.55% |
| THE JAMES GROUP, LLC3 | 6055 PRIMACY PARKWAY #300 MEMPHIS, TN 38119 | CONTINENTAL AMERICAN INSURANCE COMPANY | $604 | — | $604 | 4.58% |
| DEREK L RIHANEK3 | 616 CYPRESS CREEK PARKWAY SUITE 750 HOUSTON, TX 77090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | — | $174 | 1.32% |
| JONATHAN L PENNINGTON3 | 1485 SISKIN DRIVE CORDOVA, TN 38016 | CONTINENTAL AMERICAN INSURANCE COMPANY | $146 | — | $146 | 1.11% |
| ANDREW D KOWN3 | 710 CREEKGARDEN COURT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.32% |
| KAREN H SMITH3 | 145 CHURCH STREET NORTHEAST SUITE 200 MARIETTA, GA 30060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.32% |
| TIMOTHY J REED3 Filed as: TIMOTHY S INGRAM | 1355 LYNNFIELD STREET SUITE 259 MEMPHIS, TN 33819 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | — | $34 | 0.26% |
| RYAN E MCPHAIL3 | 206 ARBOR COURT CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.11% |
| KATHRYN SUZANNE AXENTE3 Filed as: KATHRYN S AXENTE | 7020 PELICAN ISLAND TAMPA, FL 33634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.11% |
| NICOLE LYNN RIHANEK3 Filed as: NICOLE L RIHANEK | 616 CYPRESS CREEK PARKWAY SUITE 750 HOUSTON, TX 77090 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.11% |
| JAMES E VOGELAAR3 | 150 GRUNDER ROAD METAIRIE, LA 70001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.09% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NORTHWEST KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| MARK BASSIE3 | 305 CAPITAL LANE FOREST, VA 24551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD NORTHWEST SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.05% |
| DAVID C CLOUD JR3 | 89 GEMSTONE LANE ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| THE BOTTOMS GROUP LLC3 | 180 CHEROKEE STREET MARIETTA, GA 30060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| SCOTT C MARTINA3 | 4134 FLORIDA AVENUE SUITE 100 KENNER, LA 70065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| ROBERT L GOBLE3 | 1410 4TH STREET DRIVE NORTHWEST UNIT 208 HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 150 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 443 | $3.1M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 612 | $217K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 612 | $217K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 316 | $218K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 226 | $194K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 323 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 612 | — |
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.