| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOEL H OWENS3 | PO BOX 5786 CORDELE, GA 31010 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | $151K | $171K | 7.12% |
| INSURE FORWARD INC3 Filed as: INSURE LOGIC INC | PO BOX 5786 CORDELE, GA 31010 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | $0 | $20K | 15.00% |
| INSURE FORWARD INC3 Filed as: INSURE LOGIC INC | PO 5786 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23K | $0 | $23K | 27.57% |
| JOHN LARSON3 | 502 BAYVIEW POINTE CT LAKE ST LOUIS, MO 63367 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.30% |
| JOHN LARSON3 Filed as: JOHN ARVID LARSON | 502 BAYVIEW POINTE CT LAKE ST LOUIS, MO 63367 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.90% |
| PETERZELL AND ASSOC3 | 74 MOBILE AVE ATLANTA, GA 30305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.84% |
| INSURE FORWARD INC3 Filed as: INSURE LOGIC INC | PO BOX 5786 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | $0 | $17K | 33.26% |
| JOHN LARSON3 | 502 BAYVIEW POINTE CT LAKE ST LOUIS, MO 63367 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.90% |
| JOHN LARSON3 Filed as: JOHN ARVID LARSON | 502 BAYVIEW POINTE CT LAKE ST LOUIS, MO 63367 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.24% |
| PETERZELL AND ASSOC3 | 74 MOBILE AVE ATLANTA, GA 30305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.23% |
| INSURE FORWARD INC3 Filed as: INSURE LOGIC INC | PO BOX 5786 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 43.63% |
| JOHN LARSON3 | 502 BAYVIEW POINTE CT LAKE ST LOUIS, MO 63367 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.70% |
| PETERZELL AND ASSOC3 | 74 MOBILE AVE ATLANTA, GA 30305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $678 | $0 | $678 | 2.94% |
| INSURE FORWARD INC3 Filed as: INSURE LOGIC INC | PO BOX 5786 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 37.22% |
| JOHN LARSON3 | 502 BAYVIEW POINTE CT LAKE ST LOUIS, MO 63367 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.53% |
| PETERZELL AND ASSOC3 | 74 MOBILE AVE ATLANTA, GA 30305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $347 | $0 | $347 | 2.50% |
| INSURE FORWARD INC3 Filed as: INSURE LOGIC INC | PO BOX 5786 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 46.86% |
| JOHN LARSON3 | 502 BAYVIEW POINTE CT LAKE ST LOUIS, MO 63367 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.81% |
| PETERZELL AND ASSOC3 | 74 MOBILE AVE ATLANTA, GA 30305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $331 | $0 | $331 | 3.16% |
| INSURE FORWARD INC3 Filed as: INSURE LOGIC INC | PO BOX 5786 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 49.87% |
| JOHN LARSON3 | 502 BAYVIEW POINTE CT LAKE ST LOUIS, MO 63367 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $665 | $0 | $665 | 16.84% |
| PETERZELL AND ASSOC3 | 74 MOBILE AVE ATLANTA, GA 30305 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $133 | $0 | $133 | 3.37% |
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 | 647 | 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) | 647 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 820 | $2.4M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 820 | $2.4M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 820 | $2.4M |
| Life insurance(7 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 647 | $317K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 647 | $132K |
| Other(7 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 647 | $317K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 820 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.