| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.45% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METARIE, LA 70009 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 20.31% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 5.90% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BLDG I SUITE 100 AUSTIN, TX 78766 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 4.00% |
| RACHEL LYNN BARDWELL3 | 1445 AVERY ROAD CANTON, GA 30115 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $782 | $3K | 26.70% |
| BARDWELL BENEFITS LLC3 Filed as: BARDWELL BENEFITS | 1445 AVERY ROAD CANTON, GA 30115 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $948 | $3K | 22.61% |
| MAVERICK BENEFITS GROUP3 | 402 GENERAL COURTNEY HODGES PERRY, GA 31069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $61 | $2K | 16.12% |
| KEVIN E HARRIS3 | 3 ALPINE DRIVE NEWNAN, GA 30263 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $288 | $81 | $369 | 2.91% |
| RACHEL LYNN BARDWELL3 | 1445 AVERY ROAD CANTON, GA 30115 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $327 | $1K | 27.67% |
| BARDWELL BENEFITS LLC3 | 1445 AVERY ROAD CANTON, GA 30115 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $768 | $380 | $1K | 22.46% |
| MAVERICK BENEFITS GROUP3 | 402 GENERAL COURTNEY HODGES PERRY, GA 31069 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $759 | $23 | $782 | 15.30% |
| KEVIN E HARRIS3 | 3 ALPINE DRIVE NEWNAN, GA 30263 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $32 | $144 | 2.82% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE LIFE INSURANCE COMPANY | 102 | $494K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $112K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $112K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $112K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 109 | $108K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 109 | $108K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 108 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.