| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | 20 N MARTINGALE ROAD SUITE 100 SCHAMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $65K | $67K | 2.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 3625 N ELM ST GREENSBORO, NC 274552604 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | $34 | $53K | 15.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.51% |
| SAMANTHA LYNN WINNINGHAM3 | 3134 HUNT ROAD ACWORTH, GA 30102 | AFLAC | $4K | $49 | $4K | 6.41% |
| JEFFREY WINNINGHAM3 Filed as: JEFFREY M WINNINGHAM | 3134 HUNT ROAD ACWORTH, GA 30102 | AFLAC | $2K | $176 | $2K | 3.72% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DR STE 202 STE C JACKSON, MS 39211 | AFLAC | $1K | — | $1K | 2.57% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $646 | $45 | $691 | 1.21% |
| MILLAN B TERRELL3 | 1299 BATTLECREEK RD STE 240 JONESBORO, GA 30236 | AFLAC | $564 | — | $564 | 0.99% |
| JAMES H KING3 Filed as: JAMES T MITCHELL JR | PO BOX 2132 MADISON, MS 39130 | AFLAC | $291 | — | $291 | 0.51% |
| ANDY B GLENN II3 | 2281 LAVA RIDGE CT SUITE 130 ROSEVILLE, CA 95661 | AFLAC | $195 | $45 | $240 | 0.42% |
| WALLACE B SANDERS JR3 Filed as: WALLACE SANDERS JR | 14 NORTHTOWN DR SUITE 202 JACKSON, MS 39211 | AFLAC | $194 | — | $194 | 0.34% |
| JUANITA A MOLTIMORE3 | 437 AUTUMN DRIVE RIVERDALE, GA 30274 | AFLAC | $175 | — | $175 | 0.31% |
| ADAM I SANDERS3 | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $126 | — | $126 | 0.22% |
| CHRISTOPHER JAMES CORROW3 | 2796 ASHLEIGH LN ALPHARETTA, GA 30004 | AFLAC | $120 | — | $120 | 0.21% |
| MEGAN TARPEY3 | 7737 CASASIA CT ORLANDO, FL 32835 | AFLAC | $112 | — | $112 | 0.20% |
| DAVID G COMBS3 | 1041 WINDERMERE XING CUMMING, GA 30041 | AFLAC | $106 | — | $106 | 0.19% |
| PAUL G BOWDEN III3 | PO BOX 13647 JACKSON, MS 39236 | AFLAC | $106 | — | $106 | 0.19% |
| VANESSA C MITCHELL3 | 200 STONE CREEK DR MADISON, MS 39110 | AFLAC | $100 | — | $100 | 0.18% |
| CHRISTIAN ANDRE LEVERN3 | 1929 SPILLWAY RD SUITE D BRANDON, MS 39047 | AFLAC | $94 | $2 | $96 | 0.17% |
| WALLACE B SANDERS JR3 | 15 NORTHTOWN DR STE C JACKSON, MS 39211 | AFLAC | $86 | — | $86 | 0.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JERRY W WILLIS | 2870 PEACHTREE RD NW 898 ATLANTA, GA 30305 | AFLAC | $80 | — | $80 | 0.14% |
| J LEE & ASSOCIATES INC3 | 120 GREENVIEW PL STE 3 RICHLAND, MS 39218 | AFLAC | $67 | $2 | $69 | 0.12% |
| E SPEED INC3 | 129 GLENWOOD BND MADISON, MS 39110 | AFLAC | $67 | — | $67 | 0.12% |
| MICHAEL D AISSEN3 | 920 HOLOCOMB BRIDGE RD STE 200 ROSWELL, GA 30076 | AFLAC | $61 | — | $61 | 0.11% |
| J KENNETH SKINNER3 | 4286 S COFFEE ROAD NASHVILLE, GA 31639 | AFLAC | $59 | — | $59 | 0.10% |
| ALISON HINTON DAVIS3 | 415 GLENDALE PL BRANDON, MS 39047 | AFLAC | $47 | $11 | $58 | 0.10% |
| BARBARA CAMPBELL MCCORD3 | 1525 E PASS RD APT 818 GULFPORT, MS 39507 | AFLAC | $58 | — | $58 | 0.10% |
| HEYWARD RICHARDSON JR3 | 1163 MCCORDS FERRY ROAD LUGOFF, SC 29078 | AFLAC | $47 | — | $47 | 0.08% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $46 | — | $46 | 0.08% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DR MADISON, MS 39110 | AFLAC | $44 | — | $44 | 0.08% |
| JEREMIAH TROY TALTON3 | 172 BIENVILLE DRIVE MADISON, MS 39110 | AFLAC | $34 | $10 | $44 | 0.08% |
| ROBERT SPENCE YARBROUGH3 | 2764 N THOMPSON RD NE BROOKHAVEN, GA 30319 | AFLAC | $41 | — | $41 | 0.07% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP INC | 104 10TH ST E TIFTON, GA 31794 | AFLAC | $38 | — | $38 | 0.07% |
| REGGIE C BROCK3 | 188 WESTBROOK DR ACWORTH, GA 30101 | AFLAC | $36 | — | $36 | 0.06% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $34 | — | $34 | 0.06% |
| RICHARD SMITHSON3 Filed as: RICHARD A SMITHSON | 2145 SAULS PLACE ALPHARETTA, GA 30004 | AFLAC | $32 | — | $32 | 0.06% |
| DAVID C BERRY3 | 2545 HEATHWAY DR FLORENCE, SC 29501 | AFLAC | $30 | — | $30 | 0.05% |
| THE PERRY GROUP INC3 | 1650 SAND LAKE RD STE 201D ORLANDO, FL 32809 | AFLAC | $22 | — | $22 | 0.04% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DR PHILADELPHIA, MS 39350 | AFLAC | $22 | — | $22 | 0.04% |
| JOAN M MCSWAIN3 | 744 CLOVER RIDGE WAY BRANDON, MS 39047 | AFLAC | $22 | — | $22 | 0.04% |
| WILLIAM D SIKES3 | PO BOX 1628 CLEVELAND, MS 38732 | AFLAC | $21 | — | $21 | 0.04% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 2084 COVERED BRIDGE PKWY WINDSOR, CO 80550 | AFLAC | $16 | — | $16 | 0.03% |
| D P SMITH3 | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $13 | — | $13 | 0.02% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $12 | — | $12 | 0.02% |
| JACQUELINE K NEAL3 | 129 COUNTRYSIDE DRIVE MYRTLE BEACH, SC 29579 | AFLAC | $11 | — | $11 | 0.02% |
| JACQUELINE K NEAL3 | PO BOX 31709 MYRTLE BEACH, SC 29588 | AFLAC | $11 | — | $11 | 0.02% |
| HEYWARD RICHARDSON JR3 | 140 WILDEWOOD PARK DR SUITE 108 COLUMBIA, SC 29223 | AFLAC | $10 | — | $10 | 0.02% |
| RANDALL D LADNER3 | 6 GREENBRIAR DR GULFPORT, MS 39507 | AFLAC | $9 | — | $9 | 0.02% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 202 DUBLIN CT BRANDON, MS 39047 | AFLAC | $9 | — | $9 | 0.02% |
| TERRANCE M LUCZAJ3 | 435 HARRODS LN CHARLESTON, SC 29412 | AFLAC | $8 | — | $8 | 0.01% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $8 | — | $8 | 0.01% |
| PODNAS INC / BECK & ASSOC3 Filed as: PODNAS INC BECK & ASSOC | 3411 CONFETTI BLUSH DR COLUMBUS, GA 31909 | AFLAC | $7 | — | $7 | 0.01% |
| PAUL SHELBY AMOS II3 | 6801 RIVER RD SUITE 2100 COLUMBUS, GA 31904 | AFLAC | $7 | — | $7 | 0.01% |
| DEREK B DAVIS3 | 1230 SOUTHPORT SUPPLY RD SE BOLIVIA, NC 28422 | AFLAC | $6 | — | $6 | 0.01% |
| DEBORAH B SMITH3 | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $5 | — | $5 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $5 | — | $5 | 0.01% |
| DUSTIN ROBERT JOHNSON3 | 745 W BROMPTON AVE APT 1 CHICAGO, IL 60657 | AFLAC | $5 | — | $5 | 0.01% |
| JUSTIN M GUIDI3 | 2155 W PINNACLE PEAK RD SUITE 205 PHOENIX, AZ 85027 | AFLAC | $4 | — | $4 | 0.01% |
| LANCE OSBORNE3 | 21822 SEACREST LN HUNTINGTON BEACH, CA 92646 | AFLAC | $4 | — | $4 | 0.01% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVE WOLFFORTH, TX 79382 | AFLAC | $3 | — | $3 | 0.01% |
| JOHN D TYLER3 | 1231 KILEY WAY EDMOND, OK 73034 | AFLAC | $2 | — | $2 | 0.00% |
| MARGARET G THOMPSON3 | 707 KRISTINA CT PORT ORANGE, FL 32127 | AFLAC | $1 | — | $1 | 0.00% |
| DAYTON LLC3 | 5445 OTC PARKWAY SUITE 10236 GREENWOOD VILLAGE, CO 80111 | AFLAC | $1 | — | $1 | 0.00% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 2145 SAULS PL ALPHARETTA, GA 30004 | AFLAC | $1 | — | $1 | 0.00% |
| MCDONALD PLUMMER III3 | 2934 FLEETWOOD DR COLUMBUS, GA 31906 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTTI MADISON3 | 3330 COBB PKWY NW STE 324-3 ACWORTH, GA 30101 | AFLAC | $1 | — | $1 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN R MCFADDEN3 Filed as: KEVIN MCFADDEN | 1820 W CANNING DR MOUNT PLEASANT, SC 29466 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY WINNINGHAM3 | 3134 HUNT ROAD ACWORTH, GA 30102 | TRANSAMERICA LIFE INSURANCE COMPANY | $826 | — | $826 | 12.81% |
| VOLUNTARY BENEFITS AT WORK3 | 2121 NEW MARKET PKWY SE SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $286 | — | $286 | 4.43% |
| CHRISTOPHER JAMES CORROW3 Filed as: CHRISTOPHER J CORROW | 2796 ASHLEIGH LANE ALPHARETTA, GA 30004 | TRANSAMERICA LIFE INSURANCE COMPANY | $129 | — | $129 | 2.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIFE WORKS US INC. EIN 52-1883918 NONE | Plan Administrator; Other services; Participant communication; Direct payment from the plan; Consulting (general) Service code 14 | 115 PERIMETER PLACE ATLANTA, GA 30346 | $16K |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 235 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 538 | $347K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 235 | $2.4M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 538 | $410K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 538 | $347K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 538 | $347K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 538 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.