| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC INC | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $76K | $91K | 5.28% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVC INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 0.30% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 900 NORTH POINT PARKWAY # 300 ALPHARETTA, GA 30005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.71% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 900 NORTH POINT PARKWAY # 300 ALPHARETTA, GA 30005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.33% |
| SAMANTHA LYNN WINNINGHAM3 | 3134 HUNT ROAD ACWORTH, GA 30102 | AFLAC | $3K | $16 | $3K | 6.80% |
| JEFFREY WINNINGHAM3 Filed as: JEFFREY M WINNINGHAM | 3134 HUNT ROAD ACWORTH, GA 30102 | AFLAC | $843 | $37 | $880 | 2.05% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $617 | $9 | $626 | 1.46% |
| AUSTIN J RICE3 | 201 SADDLEHORN TRAIL BALL GROUND, GA 30107 | AFLAC | $299 | $9 | $308 | 0.72% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DRIVE SUITE 202 JACKSON, MS 39211 | AFLAC | $236 | — | $236 | 0.55% |
| WALLACE B SANDERS JR3 | 14 NORTHTOWN DRIVE SUITE 202 JACKSON, MS 32911 | AFLAC | $224 | — | $224 | 0.52% |
| ANDY B GLENN II3 | 2999 DOUGLAS BOULEVARD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $145 | — | $145 | 0.34% |
| JUANITA A MOLTIMORE3 | 437 AUTUMN DRIVE RIVERDALE, GA 30274 | AFLAC | $139 | — | $139 | 0.32% |
| JAMES T MITCHELL JR3 | 272 HARRIS CIRCLE MADISON, MS 39110 | AFLAC | $112 | — | $112 | 0.26% |
| ADAM I SANDERS3 | 14 NORTHTOWN DRIVE SUITE 202 JACKSON, MS 39211 | AFLAC | $107 | — | $107 | 0.25% |
| MILLAN B TERRELL3 | 1299 BATTLECREEK ROAD SUITE 240 JONESBORO, GA 30236 | AFLAC | $99 | — | $99 | 0.23% |
| PAUL G BOWDEN III3 | PO BOX 13647 JACKSON, MS 39236 | AFLAC | $89 | — | $89 | 0.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JERRY W WILLIS | 2870 PEACHTREE ROAD NORTHWEST 898 ATLANTA, GA 30305 | AFLAC | $65 | — | $65 | 0.15% |
| VANESSA C MITCHELL3 | 272 HARRIS CIRCLE MADISON, MS 39110 | AFLAC | $59 | — | $59 | 0.14% |
| J KENNETH SKINNER3 | 4286 S COFFEE ROAD NASHVILLE, GA 31639 | AFLAC | $54 | — | $54 | 0.13% |
| MINDY SKIDMORE LLC3 Filed as: MINDY M SKIDMORE | 2301 BURLINGTON STREET SUITE 200 NORTH KANSAS CITY, MO 64116 | AFLAC | $30 | $16 | $46 | 0.11% |
| CHRISTOPHER JAMES CORROW3 | 2796 ASHLEIGH LANE ALPHARETTA, GA 30004 | AFLAC | $43 | — | $43 | 0.10% |
| AON CONSULTING INC3 Filed as: EMILY HEWITT SPEED | 513 COBBLESTONE COURT SUITE 4 MADISON, MS 39110 | AFLAC | $41 | — | $41 | 0.10% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW COURT SOUTHEAST MABLETON, GA 30126 | AFLAC | $40 | — | $40 | 0.09% |
| HEYWARD RICHARDSON JR3 | 1163 MCCORDS FERRY ROAD LUGOFF, SC 29078 | AFLAC | $40 | — | $40 | 0.09% |
| ROBERT SPENCE YARBROUGH3 | 2764 NORTH THOMPSON ROAD NORTHEAST BROOKHAVEN, GA 30319 | AFLAC | $35 | — | $35 | 0.08% |
| PARTNERS BENEFIT GROUP LLC3 | 1476 CARPENTER ROAD SOUTH TIFTON, GA 31793 | AFLAC | $34 | — | $34 | 0.08% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DRIVE SUITE 202 JACKSON, MS 39211 | AFLAC | $32 | — | $32 | 0.07% |
| CHRISTIAN ANDRE LEVERN3 | 1929 SPILLWAY ROAD SUITE D BRANDON, MS 39047 | AFLAC | $30 | — | $30 | 0.07% |
| RICHARD SMITHSON3 Filed as: RICHARD A SMITHSON | 2145 SAULS PLACE ALPHARETTA, GA 30004 | AFLAC | $30 | — | $30 | 0.07% |
| REGGIE C BROCK3 | 188 WESTBROOK DRIVE ACWORTH, GA 30101 | AFLAC | $29 | — | $29 | 0.07% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $29 | — | $29 | 0.07% |
| DAVID C BERRY3 | 2545 HEATHWAY DRIVE FLORENCE, SC 29501 | AFLAC | $25 | — | $25 | 0.06% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $21 | — | $21 | 0.05% |
| JACQUELINE K NEAL3 | 129 COUNTRYSIDE DRIVE MYRTLE BEACH, SC 29579 | AFLAC | $21 | — | $21 | 0.05% |
| MICHAEL D AISSEN3 | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | AFLAC | $21 | — | $21 | 0.05% |
| E SPEED INC3 | 129 GLENWOOD BEND MADISON, MS 39110 | AFLAC | $15 | — | $15 | 0.03% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DRIVE PHILADELPHIA, MS 39350 | AFLAC | $15 | — | $15 | 0.03% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 2084 COVERED BRIDGE PARKWAY WINDSOR, CO 80550 | AFLAC | $15 | — | $15 | 0.03% |
| THOMAS J STEPHENSON3 | 31 STADELMAN COURT CARTERSVILLE, GA 30120 | AFLAC | $12 | — | $12 | 0.03% |
| D P SMITH3 | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $10 | — | $10 | 0.02% |
| DAVID C CLOUD JR3 | 12 TRENT DRIVE SOUTHEAST ROME, GA 30161 | AFLAC | $10 | — | $10 | 0.02% |
| WILLIAM D SIKES3 | PO BOX 1628 CLEVELAND, MS 38732 | AFLAC | $8 | — | $8 | 0.02% |
| JOAN M MCSWAIN3 | 744 CLOVER RIDGE WAY BRANDON, MS 39047 | AFLAC | $8 | — | $8 | 0.02% |
| TERRANCE M LUCZAJ3 | 9 PAVERSTONE LANE LADERA RANCH, CA 92694 | AFLAC | $8 | — | $8 | 0.02% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 3343 LANELL LANE PEARL, MS 39208 | AFLAC | $8 | — | $8 | 0.02% |
| PODNAS INC / BECK & ASSOC3 Filed as: PODNAS INC/BECK & ASSOC | 3274 CONFETTI BLUSH DRIVE COLUMBUS, GA 31909 | AFLAC | $7 | — | $7 | 0.02% |
| RANDALL D LADNER3 | 18 53RD CIRCLE GULFPORT, MS 39507 | AFLAC | $6 | — | $6 | 0.01% |
| PAUL SHELBY AMOS II3 | 6801 RIVER ROAD SUITE 2100 COLUMBUS, GA 31904 | AFLAC | $6 | — | $6 | 0.01% |
| DEREK B DAVIS3 | 1230 SOUTHPORT SUPPLY ROAD SOUTHEAS BOLIVIA, NC 28422 | AFLAC | $5 | — | $5 | 0.01% |
| ALISON HINTON DAVIS3 | 415 GLENDALE PLACE BRANDON, MS 39047 | AFLAC | $5 | — | $5 | 0.01% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: DEBORAH BROWN SMITH | 647 WOOD POINT WAY DALLAS, GA 30157 | AFLAC | $4 | — | $4 | 0.01% |
| JUSTIN M GUIDI3 | 10785 E GELDING DRIVE SCOTTSDALE, AZ 85255 | AFLAC | $4 | — | $4 | 0.01% |
| JEREMIAH TALTON3 Filed as: JEREMIAH TROY TALTON | 172 BIENVILLE DRIVE MADISON, MS 39110 | AFLAC | $4 | — | $4 | 0.01% |
| SCOTT A SMITH3 Filed as: SCOTT ALLEN SMITH | 6340 SUGARLOAF PARKWAY SUITE 200 DULUTH, GA 30097 | AFLAC | $4 | — | $4 | 0.01% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUNTINGTON BEACH, CA 92646 | AFLAC | $3 | — | $3 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DRIVE MONROE, GA 30655 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN E LEE3 | 120 GREENVIEW PLACE SUITE 3 RICHLAND, MS 39218 | AFLAC | $1 | — | $1 | 0.00% |
| DAYTON LLC3 | 8015 EAGLE ROAD LARKSPUR, CO 80118 | AFLAC | $1 | — | $1 | 0.00% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVENUE WOLFFORTH, TX 79382 | AFLAC | $1 | — | $1 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| DUSTIN ROBERT JOHNSON3 | 58 MODA LANE ATLANTA, GA 30316 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN R MCFADDEN3 | 1820 WEST CANNING DRIVE MOUNT PLEASANT, SC 29466 | AFLAC | $1 | — | $1 | 0.00% |
| MCDONALD PLUMMER III3 | 2934 FLEETWOOD DRIVE COLUMBUS, GA 31906 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 900 NORTH POINT PARKWAY # 300 ALPHARETTA, GA 30005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 4.39% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 900 NORTH POINT PARKWAY # 300 ALPHARETTA, GA 30005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.71% |
| JEFFREY WINNINGHAM3 Filed as: JEFFREY M WINNINGHAM | 3134 HUNT ROAD ACWORTH, GA 30102 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | — | $3K | 21.84% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITSAT WORK | 1090 HERSHEY DRIVE SOUTHEAST MARIETTA, GA 30062 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 9.90% |
| CHRISTOPHER JAMES CORROW3 Filed as: CHRISTOPHER J CORROW | 2796 ASHLEIGH LANE ALHARETTA, GA 30004 | TRANSAMERICA LIFE INSURANCE COMPANY | $32 | — | $32 | 0.26% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 900 NORTH POINT PARKWAY # 300 ALPHARETTA, GA 30005 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $375 | — | $375 | 19.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SERVICES INC | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $84 | $84 | 4.48% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 137 | $1.7M |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $81K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $65K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $70K |
| Other(6 contracts, 4 carriers) | AFLAC | 186 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.