| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.91% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE NORTH PKWY SE STE 300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.09% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 11.18% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE NORTH PKWY SE STE 300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.82% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.29% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE NORTH PKWY SE STE 300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.71% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INS BENEFITS INC | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 11.17% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES L | DBA INTREPID ATLANTA ATLANTA, GA 30339 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $358 | $3K | 11.12% |
| MONICA M DEAN3 | 1855 EVERGREEN LN ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $966 | $0 | $966 | 3.76% |
| EMILY PORRECA3 | 146 WINDFIELDS LANE WOODSTOCK, GA 30188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $454 | $0 | $454 | 1.76% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | 887 WEST MARIETTA ST, N108 ATLANTA, GA 30318 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $236 | $0 | $236 | 0.92% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $117 | $0 | $117 | 0.45% |
| TAYLOR LEVIEUX3 | 208 FRANKLIN SQ BONAIRE, GA 31005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | $3 | $91 | 0.35% |
| DANA MARIE MOWATT3 | 23701 S WESTERN AVE SPC 112 DAWSONVILLE, GA 30534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $25 | $91 | 0.35% |
| C ADAMS VOLK3 | 2265 OLD ORCHARD DR MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 0.17% |
| ANDREA MARIE TIERCE3 | 1199 MADRONE LANE PLACERVILLE, CA 95667 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | $11 | $29 | 0.11% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA RD UNIT 2367 OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $3 | $10 | 0.04% |
| AMY E COHEN3 | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| CINDY L WOOD3 | 5215 BLUE RIDGE OVERLOOK DAWSONVILLE, GA 30534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.03% |
| NORMAC SOLUTIONS INC3 | 449 HOPKINS RD TOWNVILLE, SC 29689 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.53% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE NORTH PKWY SE STE 300 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $876 | $0 | $876 | 4.47% |
| OAKBRIDGE INSURANCE AGENCY LLC3 Filed as: OAKRIDGE INSURANCE AGENCY, LLC | PO BOX 1049 LAGRANGE, GA 30241 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.91% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 400 INTERSTATE NORTH PKWY SE STE 300 ATLANTA, GA 30339 | VISION SERVICE PLAN | $297 | $0 | $297 | 1.52% |
| OAKBRIDGE INSURANCE AGENCY LLC3 | PO BOX 1049 LAGRANGE, GA 30241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $927 | $0 | $927 | 10.83% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES LLC | 2859 PACES FERRY RD STE 625 ATLANTA, GA 30339 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $357 | $0 | $357 | 4.17% |
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 | 164 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 147 | $104K |
| Vision | VISION SERVICE PLAN | 100 | $20K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $38K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $35K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 150 | $20K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.