| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | PO BOX 896620 CHARLOTTE, NC 28289 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $2K | $13K | 6.75% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES | PO BOX 441 DES MOINES, IA 50302 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $1K | $9K | 4.80% |
| JOHN MANDERSON3 Filed as: JOHN BENN | 993 LISMORE DRIVE COLUMBUS, GA 31904 | AFLAC | $4K | $492 | $5K | 9.34% |
| STEPHEN BRADLEY CANNON3 Filed as: STEPHEN CANNON | 6524 GREGG DRIVE COLUMBUS, GA 31909 | AFLAC | $1K | $111 | $2K | 3.16% |
| JOHN CARTER3 | 902 MEADOWS COURT PINE MOUNTAIN, GA 31822 | AFLAC | $1K | $85 | $1K | 2.85% |
| RUTHERFORD FINANCIAL SERVICES INC.3 Filed as: MXGRIFF INSURANCE SERVICES INC | 3400 OVERTON PARK DRIVE, SUITE 300 ATLANTA, GA 30339 | AFLAC | $905 | $0 | $905 | 1.79% |
| TY FAIR3 | 9569 ENGLISH IVY COURT FORTSON, GA 31808 | AFLAC | $480 | $0 | $480 | 0.95% |
| WHEELER INSURANCE SVCS LLC3 Filed as: WHEELER INSURANCE SERVICES LLC | PO BOX 1416 COLUMBUS, GA 31902 | AFLAC | $322 | $0 | $322 | 0.64% |
| MJ INSURANCE3 Filed as: CALVIN RENTZ AND VARIOUS AGENTS | 1628 LEE ROAD 250 SALEM, AL 36874 | AFLAC | $297 | $0 | $297 | 0.59% |
| MJ INSURANCE3 Filed as: JOHN CARTER AND VARIOUS AGENTS | 902 MEADOWS COURT PINE MOUNTAIN, GA 31822 | AFLAC | $2K | $64 | $2K | 4.04% |
| MICHAEL E MITMAN3 Filed as: MICHAEL MITMAN | 908 N WAYNE STREET, SUITE B ANGOLA, IN 46703 | AFLAC | $1K | $197 | $1K | 3.03% |
| JOHN MANDERSON3 Filed as: JOHN BENN | 993 LISMORE DRIVE COLUMBUS, GA 31904 | AFLAC | $718 | $85 | $803 | 1.99% |
| JUSTIN D HARPER3 Filed as: JUSTIN HARPER | 10007 NORTHBROOK VALLEY DRIVE APARTMENT 10 FORT WAYNE, IN 46825 | AFLAC | $620 | $35 | $655 | 1.62% |
| TY FAIR3 | 9569 ENGLISH IVY COURT FORTSON, GA 31808 | AFLAC | $450 | $0 | $450 | 1.12% |
| CALVIN LEVI RENTZ3 Filed as: CALVIN RENTZ | 1628 LEE ROAD 250 SALEM, AL 36874 | AFLAC | $408 | $0 | $408 | 1.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 3400 OVERTON PARK DRIVE, SUITE 300 ATLANTA, GA 30339 | AFLAC | $384 | $0 | $384 | 0.95% |
| MICHAEL E MITMAN3 Filed as: MICHAEL MITMAN | 908 N WAYNE STREET, SUITE B ANGOLA, IN 46703 | AFLAC | $1K | $37 | $1K | 4.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SVCS AND VARIOUS AGENTS | 1001 LAKESIDE AVENUE E, SUITE 1200 CLEVELAND, OH 44114 | AFLAC | $1K | $3 | $1K | 4.40% |
| JOHN MANDERSON3 Filed as: JOHN BENN | 993 LISMORE DRIVE COLUMBUS, GA 31904 | AFLAC | $1K | $16 | $1K | 3.76% |
| CALVIN LEVI RENTZ3 Filed as: CALVIN RENTZ | 1628 LEE ROAD 250 SALEM, AL 36874 | AFLAC | $527 | $0 | $527 | 1.76% |
| JUSTIN D HARPER3 Filed as: JUSTIN HARPER | 10007 NORTHBROOK VALLEY DRIVE APARTMENT 10 FORT WAYNE, IN 46825 | AFLAC | $453 | $6 | $459 | 1.53% |
| DERRICK T JACKSON3 Filed as: DERRICK JACKSON | 701 WEST PACKARD AVENUE FORT WAYNE, IN 46807 | AFLAC | $410 | $6 | $416 | 1.39% |
| JOHN CARTER3 | 902 MEADOWS COURT PINE MOUNTAIN, GA 31822 | AFLAC | $404 | $3 | $407 | 1.36% |
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 | 340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 291 | $186K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 291 | $186K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 340 | $209K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 340 | $209K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 340 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 340 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.