| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PARKWAY SE SUITE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $112K | $31 | $112K | 14.58% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $14K | $50K | 6.50% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.33% |
| FRANK R GRIFFIN JR3 Filed as: FRANK R. GRIFFIN JR | PO BOX 233 8601 GARRETT ROAD MIDLAND, GA 31820 | AFLAC | $16K | $169 | $16K | 6.01% |
| EILEEN MARIE STILLWELL3 | 3252 MARICOPA DRIVE COLUMBUS, GA 31907 | AFLAC | $10K | $81 | $10K | 3.89% |
| MJ INSURANCE3 Filed as: PATSY GUTHRIE & VARIOUS AGENTS | 103 CEDAR ROCK DRIVE LAGRANGE, GA 30241 | AFLAC | $6K | $28 | $6K | 2.41% |
| JOHN E CARTER III3 Filed as: JOHN E. CARTER III | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $5K | $60 | $5K | 1.91% |
| REYNOLDS S. CHENEY III3 | 1510 CHEROKEE AVENUE COLUMBUS, GA 31906 | AFLAC | $827 | $0 | $827 | 0.32% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM L. AMOS & CO. INC | 7100 STILLWATER DRIVE COLUMBUS, GA 31904 | AFLAC | $508 | $0 | $508 | 0.19% |
| HOUZE & ASSOCIATES INC3 | PO BOX 3070 LAGRANGE, GA 30241 | AFLAC | $165 | $0 | $165 | 0.06% |
| FRANK R GRIFFIN JR3 Filed as: FRANK R. GRIFFIN JR | PO BOX 233 8601 GARRETT ROAD MIDLAND, GA 31820 | AFLAC | $252 | — | $252 | 9.70% |
| JOHN E CARTER III3 Filed as: JOHN E. CARTER III | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $46 | $0 | $46 | 1.77% |
| EILEEN MARIE STILLWELL3 | 3252 MARICOPA DRIVE COLUMBUS, GA 31907 | AFLAC | $26 | $0 | $26 | 1.00% |
| STEVEN THIEL3 | 2636 FREMONT AVENUE COLUMBUS, GA 31906 | AFLAC | $4 | $0 | $4 | 0.15% |
| TATOM ENTERPRISES LLC3 | 200 QUAIL HOLLOW DRIVE ATOKA, TN 38004 | AFLAC | $34 | $0 | $34 | 4.12% |
| FRANK R GRIFFIN JR3 Filed as: FRANK R. GRIFFIN JR | PO BOX 233 8601 GARRETT ROAD MIDLAND, GA 31820 | AFLAC | $32 | $0 | $32 | 3.88% |
| JOE A RODGERS3 Filed as: JOE A. RODGERS | 1601 DOVE LANE CORPUS CHRISTI, TX 78418 | AFLAC | $11 | $0 | $11 | 1.33% |
| JOHN E CARTER III3 Filed as: JOHN E. CARTER III | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $8 | $0 | $8 | 0.97% |
| DEREK R MANN3 Filed as: DEREK R. MANN | 155 LEE ROAD, SUITE 2213 SALEM, AL 36874 | AFLAC | $5 | $0 | $5 | 0.61% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $2 | $0 | $2 | 0.24% |
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 | 1,031 | 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) | 1,031 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,422 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,422 | $771K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,422 | $771K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,422 | $771K |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,422 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,422 | — |
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.