| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 419814 DORCHESTER, MA 02125 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $38K | $40K | 1.77% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE ROAD NW STE 1650 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $608 | $21K | $21K | 0.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 3625 N ELM ST GREENSBORO, NC 274552604 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $42 | $28K | 8.46% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE RD NW STE 1650 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 5.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 0.82% |
| SAMANTHA LYNN WINNINGHAM3 | 3134 HUNT ROAD ACWORTH, GA 30102 | AFLAC | $1K | $16 | $1K | 2.66% |
| JEFFREY WINNINGHAM3 Filed as: JEFFREY M WINNINGHAM | 3134 HUNT ROAD ACWORTH, GA 30102 | AFLAC | $758 | $39 | $797 | 1.89% |
| MEGAN TARPEY3 | 7737 CASASIA CT ORLANDO, FL 32835 | AFLAC | $493 | $95 | $588 | 1.40% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $406 | — | $406 | 0.96% |
| HEYWARD RICHARDSON JR3 | 140 WILDEWOOD PARK DR STE 108 COLUMBIA, SC 29223 | AFLAC | $217 | $17 | $234 | 0.56% |
| JUANITA A MOLTIMORE3 | 437 AUTUMN DR RIVERDALE, GA 30274 | AFLAC | $215 | $3 | $218 | 0.52% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DR STE 202 STE C JACKSON, MS 39211 | AFLAC | $208 | — | $208 | 0.49% |
| CHRISTOPHER JAMES CORROW3 | 2796 ASHLEIGH LN ALPHARETTA, GA 30004 | AFLAC | $203 | — | $203 | 0.48% |
| WALLACE B SANDERS JR3 | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $172 | — | $172 | 0.41% |
| DAVID G COMBS3 | 1041 WINDERMERE XING CUMMING, GA 30041 | AFLAC | $122 | — | $122 | 0.29% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $82 | $27 | $109 | 0.26% |
| MICHAEL D AISSEN3 | 920 HOLOCOMB BRIDGE RD STE 200 ROSWELL, GA 30076 | AFLAC | $106 | — | $106 | 0.25% |
| ANDY B GLENN II3 | 50 HURT PLZ SE STE 1630 ATLANTA, GA 30303 | AFLAC | $93 | $11 | $104 | 0.25% |
| BARBARA CAMPBELL MCCORD3 | PO BOX 25 SANDHILL, MS 39161 | AFLAC | $93 | — | $93 | 0.22% |
| DAVID C BERRY3 | 2545 HEATHWAY DR FLORENCE, SC 29501 | AFLAC | $89 | $3 | $92 | 0.22% |
| ADAM I SANDERS3 | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $77 | — | $77 | 0.18% |
| AMANDA MILLER3 | 1331 CANAL POINT RD LONGWOOD, FL 32750 | AFLAC | $11 | $66 | $77 | 0.18% |
| ROBERT SPENCE YARBROUGH3 | 2764 N THOMPSON RD NE BROOKHAVEN, GA 30319 | AFLAC | $67 | — | $67 | 0.16% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $66 | — | $66 | 0.16% |
| PAUL G BOWDEN III3 | PO BOX 13647 JACKSON, MS 39236 | AFLAC | $65 | — | $65 | 0.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JERRY W WILLIS | 2870 PEACHTREE RD NW 898 ATLANTA, GA 30305 | AFLAC | $64 | — | $64 | 0.15% |
| J KENNETH SKINNER3 | PO BOX 41 NASHVILLE, GA 31639 | AFLAC | $59 | — | $59 | 0.14% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $56 | $1 | $57 | 0.14% |
| KATHY J PERKINS3 | 316 RED CEDAR DR BRANDON, MS 39047 | AFLAC | $55 | — | $55 | 0.13% |
| ANDY B GLENN II3 | 2281 LAVA RIDGE CT STE 130 ROSEVILLE, CA 95661 | AFLAC | $51 | — | $51 | 0.12% |
| RICHARD SMITHSON3 Filed as: RICHARD A SMITHSON | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $51 | — | $51 | 0.12% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $46 | — | $46 | 0.11% |
| ALISON HINTON DAVIS3 | 415 GLENDALE PL BRANDON, MS 39047 | AFLAC | $43 | — | $43 | 0.10% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $41 | — | $41 | 0.10% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 104 10TH ST E TIFTON, GA 31794 | AFLAC | $38 | — | $38 | 0.09% |
| JEREMIAH TROY TALTON3 | 172 BIENVILLE DR MADISON, MS 39110 | AFLAC | $31 | — | $31 | 0.07% |
| BRIDGETT DAIL3 | 8227 YAXLEY HALL DR RALEIGH, NC 27616 | AFLAC | $30 | — | $30 | 0.07% |
| REGGIE C BROCK3 | 188 WESTBROOK DR ACWORTH, GA 30101 | AFLAC | $29 | — | $29 | 0.07% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $28 | — | $28 | 0.07% |
| MARGARET G THOMPSON3 | 707 KRISTINA CT PORT ORANGE, FL 32127 | AFLAC | $24 | — | $24 | 0.06% |
| JACQUELINE K NEAL3 | PO BOX 31709 MYRTLE BEACH, SC 29588 | AFLAC | $23 | — | $23 | 0.05% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, SC 29412 | AFLAC | $21 | — | $21 | 0.05% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $18 | — | $18 | 0.04% |
| TEATORS INS PROTECTION SERVICES3 | 524 TROUTWOOD PL FUQUAY VARINA, NC 27526 | AFLAC | $16 | — | $16 | 0.04% |
| JOAN M MCSWAIN3 | 744 CLOVER RIDGE WAY BRANDON, MS 39047 | AFLAC | $15 | — | $15 | 0.04% |
| JEFFREY J THAMES3 | 141 THAMES CIR FLORENCE, MS 39073 | AFLAC | $15 | — | $15 | 0.04% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $14 | — | $14 | 0.03% |
| WILLIAM D SIKES3 Filed as: WILLIAM D SKIES | 1320 MEMORIAL DR CLEVELAND, MS 38732 | AFLAC | $13 | — | $13 | 0.03% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $12 | — | $12 | 0.03% |
| SHARON D ROBERTS3 | PO BOX 1129 YOUNG HARRIS, GA 30582 | AFLAC | $11 | — | $11 | 0.03% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 2004 STRATTON HILLS CT GREENSBORO, NC 27410 | AFLAC | $11 | — | $11 | 0.03% |
| D P SMITH3 | PO BOX 16671 JACKSON, MS 39236 | AFLAC | $10 | — | $10 | 0.02% |
| J LEE & ASSOCIATES INC3 | 120 GREENVIEW PL STE 3 RICHLAND, MS 39218 | AFLAC | $9 | — | $9 | 0.02% |
| WILLIAM L BAKER IV3 | 1121 WEDGELAND DR RALEIGH, NC 27615 | AFLAC | $8 | — | $8 | 0.02% |
| D AND V BUTLER INC3 | 105 LONG LEAF PL MADISON, MS 39110 | AFLAC | $8 | — | $8 | 0.02% |
| PODNAS INC / BECK & ASSOC3 Filed as: PODNAS INC BECK & ASSOC | 3411 CONFETTI BLUSH DR COLUMBUS, GA 31909 | AFLAC | $7 | — | $7 | 0.02% |
| JONATHAN W MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $7 | — | $7 | 0.02% |
| DEBORAH B SMITH3 | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $7 | — | $7 | 0.02% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON RD 14TH FL COLUMBUS, GA 31999 | AFLAC | $7 | — | $7 | 0.02% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DR LAWRENCEVILLE, GA 30043 | AFLAC | $7 | — | $7 | 0.02% |
| JOHN PAUL THOMPSON II3 | 236 HAVERSHAM RD DELTONA, FL 32725 | AFLAC | $6 | — | $6 | 0.01% |
| DEREK B DAVIS3 | 1230 SOUTHPORT SUPPLY RD SE BOLIVIA, NC 28422 | AFLAC | $5 | — | $5 | 0.01% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $5 | — | $5 | 0.01% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 2084 COVERED BRIDGE PKWY WINDSOR, CO 80550 | AFLAC | $5 | — | $5 | 0.01% |
| D REGAN BRANDON3 | 214 N NEWSOM ST MINEOLA, TX 75773 | AFLAC | $5 | — | $5 | 0.01% |
| JUSTIN M GUIDI3 | 777 LOWNDES HILL RD BLDG 3 STE 200 GREENVILLE, SC 29607 | AFLAC | $4 | — | $4 | 0.01% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 601 CRESCENT BLVD STE 102 RIDGELAND, MS 39157 | AFLAC | $4 | — | $4 | 0.01% |
| LARRY W FLOWERS3 | 2318 PROVINCIAL POINT DR GAINESVILLE, GA 30501 | AFLAC | $4 | — | $4 | 0.01% |
| RHONDA MICHELLE FREEMAN3 | 8751 PHEASANT DR CHANDLER, TX 75758 | AFLAC | $4 | — | $4 | 0.01% |
| DUSTIN ROBERT JOHNSON3 | 50 HURT PLZ SE STE 995 STE 1630 ATLANTA, GA 30303 | AFLAC | $4 | — | $4 | 0.01% |
| LANCE OSBORNE3 | 21822 SEACREST LN HUNTINGTON BEACH, CA 92646 | AFLAC | $3 | — | $3 | 0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATION INC | 2502 N ROCKY POINT DR STE 400 TAMPA, FL 33607 | AFLAC | $3 | — | $3 | 0.01% |
| DUSTIN ROBERT JOHNSON3 | 745 W BROMPTON AVE APT 1 CHICAGO, IL 60657 | AFLAC | $3 | — | $3 | 0.01% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $2 | — | $2 | 0.00% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 1932 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $2 | — | $2 | 0.00% |
| SCOTTI MADISON3 | 3330 COBB PKWY NW STE 324-3 ACWORTH, GA 30101 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN D TYLER3 | 1231 KILEY WAY EDMOND, OK 73034 | AFLAC | $2 | — | $2 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $2 | — | $2 | 0.00% |
| LESLIE K KIMBROUGH3 | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $2 | — | $2 | 0.00% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $2 | — | $2 | 0.00% |
| DAYTON LLC3 | 324 OLD WOOD DR COLUMBIA, SC 29212 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD ST STE 259 MEMPHIS, TN 38119 | AFLAC | $1 | — | $1 | 0.00% |
| DAYTON LLC3 | 5445 OTC PARKWAY STE 10236 GREENWOOD VILLAGE, CO 80111 | AFLAC | $1 | — | $1 | 0.00% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $1 | — | $1 | 0.00% |
| DENA JORDAN3 | 9300 HARRIS CORNERS PKWY STE 100 APT 208 CHARLOTTE, NC 28269 | AFLAC | $1 | — | $1 | 0.00% |
| DEREK DEVANE3 | 3205 JERRY SMITH RD DOVER, FL 33527 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN R MCFADDEN3 | 1820 W CANNING DR MOUNT PLEASANT, SC 29466 | AFLAC | $1 | — | $1 | 0.00% |
| LEE RYAN MCGRAW3 | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY WINNINGHAM3 | 3134 HUNT ROAD ACWORTH, GA 30102 | TRANSAMERICA LIFE INSURANCE COMPANY | $675 | — | $675 | 10.90% |
| VOLUNTARY BENEFITS AT WORK3 | 1820 THE EXCHANGE STE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $243 | — | $243 | 3.92% |
| CHRISTOPHER JAMES CORROW3 Filed as: CHRISTOPHER J CORROW | 2796 ASHLEIGH LANE ALPHARETTA, GA 30004 | TRANSAMERICA LIFE INSURANCE COMPANY | $108 | — | $108 | 1.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIFEWORKS US INC EIN 81-1114266 NONE | Plan Administrator; Consulting (general); Direct payment from the plan; Other services; Participant communication Service code 14 | — | $19K |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 252 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $331K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 252 | $2.2M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $380K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $331K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $331K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $373K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.