| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 3475 PIEDMONT ROAD NE SUITE 800 ATLANTA, GA 30305 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $45K | — | $45K | 7.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203491 DALLAS, TX 75320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $30K | — | $30K | 19.40% |
| BRUCE PHILLIPS3 Filed as: BRUCE PHILLPS | 4124 DANIEL GREEN TRAIL SMYRNA, GA 30080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 12.62% |
| CARLISLE MARSHALL EDENS3 | 400 EMBASSY ROW, SUITE 330 ATLANTA, GA 30328 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $115 | — | $115 | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203491 DALLAS, TX 75320 | ALLSTATE WORKPLACE DIVISION | $10K | — | $10K | 10.99% |
| BRUCE PHILLIPS3 | 4124 DANIEL GREEN TRAIL SMYRNA, GA 30080 | ALLSTATE WORKPLACE DIVISION | $6K | — | $6K | 7.38% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS | 3650 MANSELL ROAD, SUITE 100 ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $398 | — | $398 | 44.32% |
| JOHN P KOWN II3 Filed as: JOHN P. KOWN II | 1275 SHILOH ROAD, SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 1.00% |
| DAVID C CLOUD JR3 Filed as: DAVID C. CLOUD JR. | 89 GEMSTONE LANE ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.56% |
| RONALD S SANDERS3 Filed as: RONALD S. SANDERS | 1194 EAST LAKEVIEW DRIVE SAN TAN VALLEY, AZ 85143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.56% |
| AMY A O SHIELDS3 Filed as: AMY A. OSHIELDS | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.56% |
| ALEXANDER B WARD3 Filed as: ALEXANDER B. WARD | 5194 FOREST VIEW COURT SE MABLETON, GA 30126 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.33% |
| ADAM T HARRIS3 Filed as: ADAM T. HARRIS | 126 HIDDEN LAKE CIRCLE CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.11% |
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 | 2,068 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,078 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE WORKPLACE DIVISION | 220 | $87K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,548 | $86K |
| Vision | EYEMED VISION CARE | 3,114 | $115K |
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,068 | $626K |
| Short-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,068 | $0 |
| Long-term disability(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,068 | $626K |
| Other(7 contracts, 7 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,068 | $873K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,548 | — |
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.
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.