| 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 | $73K | $75K | 3.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 3625 N ELM ST GREENSBORO, NC 274552604 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $33 | $55K | 12.01% |
| 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 | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD, SUITE 400 LOVELAND, OH 451408320 | METROPOLITAN LIFE INSURANCE COMPANY | — | $184 | $184 | 0.04% |
| JEFFREY WINNINGHAM3 Filed as: JEFFREY M WINNINGHAM | 3134 HUNT ROAD ACWORTH, GA 30102 | AFLAC | $2K | $82 | $2K | 3.23% |
| SAMANTHA LYNN WINNINGHAM3 | 3134 HUNT ROAD ACWORTH, GA 30102 | AFLAC | $2K | $35 | $2K | 2.79% |
| THE SANDERS GROUP INC3 | 14 NORTHTOWN DR STE 202 JACKSON, MS 39211 | AFLAC | $1K | — | $1K | 1.75% |
| ADAM I SANDERS3 | 14 NORTHTOWN DRIVE SUITE 202 JACKSON, MS 39211 | AFLAC | $860 | — | $860 | 1.44% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $616 | $27 | $643 | 1.08% |
| WALLACE B SANDERS JR3 | 14 NORTHTOWN DR SUITE 202 JACKSON, MS 39211 | AFLAC | $301 | — | $301 | 0.50% |
| ANDY B GLENN II3 | 2999 DOUGLAS BLVD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $168 | — | $168 | 0.28% |
| JUANITA A MOLTIMORE3 Filed as: JUANITA MOLTIMORE | 437 AUTUMN DRIVE RIVERDALE, GA 30274 | AFLAC | $164 | — | $164 | 0.28% |
| THOMAS J STEPHENSON3 | 31 STADELMAN COURT CARTERSVILLE, GA 30120 | AFLAC | $130 | $10 | $140 | 0.23% |
| JAMES H KING3 Filed as: JAMES T MITCHELL JR | 272 HARRIS CIRCLE MADISON, MS 39110 | AFLAC | $137 | — | $137 | 0.23% |
| MILLAN B TERRELL3 | 1299 BATTLECREEK RD STE 240 JONESBORO, GA 30236 | AFLAC | $122 | — | $122 | 0.20% |
| CHRISTIAN ANDRE LEVERN3 | 1929 SPILLWAY ROAD SUITE D BRANDON, MS 39047 | AFLAC | $108 | $14 | $122 | 0.20% |
| MEGAN TARPEY3 | 7737 CASASIA COURT ORLANDO, FL 32835 | AFLAC | $122 | — | $122 | 0.20% |
| PAUL G BOWDEN III3 | PO BOX 13647 JACKSON, MS 39236 | AFLAC | $114 | — | $114 | 0.19% |
| CHRISTOPHER JAMES CORROW3 | 2796 ASHLEIGH LANE ALPHARETTA, GA 30004 | AFLAC | $93 | — | $93 | 0.16% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JERRY W WILLIS | 2870 PEACHTREE ROAD NW 898 ATLANTA, GA 30305 | AFLAC | $84 | — | $84 | 0.14% |
| VANESSA C MITCHELL3 | 272 HARRIS CIRCLE MADISON, MS 39110 | AFLAC | $73 | — | $73 | 0.12% |
| E SPEED INC3 | 129 GLENWOOD BEND MADISON, MS 39110 | AFLAC | $72 | — | $72 | 0.12% |
| J LEE & ASSOCIATES INC3 | 120 GREENVIEW PLACE SUITE 3 RICHLAND, MS 39218 | AFLAC | $55 | $14 | $69 | 0.12% |
| JOHN E LEE3 | 120 GREENVIEW PL SUITE 3 RICHLAND, MS 39218 | AFLAC | $66 | — | $66 | 0.11% |
| J KENNETH SKINNER3 | 4286 S COFFEE ROAD NASHVILLE, GA 31639 | AFLAC | $64 | — | $64 | 0.11% |
| HEYWARD RICHARDSON JR3 Filed as: HEYWARD RICHARSON JR | 1163 MCCORDS FERRY ROAD LUGOFF, SC 29078 | AFLAC | $61 | — | $61 | 0.10% |
| AUSTIN J RICE3 | 205 PERSIMMON TRL WOODSTOCK, GA 30188 | AFLAC | $60 | — | $60 | 0.10% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW COURT SE MABLETON, GA 30126 | AFLAC | $49 | — | $49 | 0.08% |
| MICHAEL D AISSEN3 | 920 HOLCOMB BRIDGE ROAD SUITE 200 ROSWELL, GA 30076 | AFLAC | $47 | — | $47 | 0.08% |
| ROBERT SPENCE YARBROUGH3 | 2764 N THOMPSON ROAD NE BROOKHAVEN, GA 30319 | AFLAC | $44 | — | $44 | 0.07% |
| PARTNERS BENEFIT GROUP LLC3 | 1476 CARPENTER ROAD S TIFTON, GA 31793 | AFLAC | $41 | — | $41 | 0.07% |
| AON CONSULTING INC3 Filed as: C HEWITT INC | 308 LAKE VILLAGE DRIVE MADISON, MS 39110 | AFLAC | $39 | — | $39 | 0.07% |
| REGGIE C BROCK3 | 188 WESTBROOK DRIVE ACWORTH, GA 30101 | AFLAC | $38 | — | $38 | 0.06% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $37 | — | $37 | 0.06% |
| RICHARD SMITHSON3 Filed as: RICHARD A SMITHSON | 2145 SAULS PLACE ALPHARETTA, GA 30004 | AFLAC | $35 | — | $35 | 0.06% |
| DAVID C BERRY3 | 2545 HEATHWAY DRIVE FLORENCE, SC 29501 | AFLAC | $32 | — | $32 | 0.05% |
| JACQUELINE K NEAL3 | 129 COUNTRYSIDE DRIVE MYRTLE BEACH, SC 29579 | AFLAC | $25 | — | $25 | 0.04% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP | 1650 SAND LAKE ROAD SUITE 201D ORLANDO, FL 32809 | AFLAC | $24 | — | $24 | 0.04% |
| WILLIAM D SIKES3 | PO BOX 1628 CLEVELAND, MS 38732 | AFLAC | $23 | — | $23 | 0.04% |
| DAVID G COMBS3 | 1041 WINDERMERE CROSSING CUMMING, GA 30041 | AFLAC | $20 | — | $20 | 0.03% |
| ROBERT J LOVERN3 | 10160 SAINT FRANCIS DRIVE PHILADELPHIA, MS 39350 | AFLAC | $19 | — | $19 | 0.03% |
| BARBARA CAMPBELL MCCORD3 | 155 W BROAD ST DECATUR, MS 39327 | AFLAC | $18 | — | $18 | 0.03% |
| ALISON HINTON DAVIS3 | 415 GLENDALE PLACE BRANDON, MS 39047 | AFLAC | $17 | — | $17 | 0.03% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 2084 COVERED BRIDGE PARKWAY WINDSON, CO 80550 | AFLAC | $17 | — | $17 | 0.03% |
| JOAN M MCSWAIN3 | 744 CLOVER RIDGE WAY BRANDON, MS 39047 | AFLAC | $14 | — | $14 | 0.02% |
| D P SMITH3 | 519 SHALOM WAY FLOWOOD, MS 39232 | AFLAC | $13 | — | $13 | 0.02% |
| JEREMIAH TROY TALTON3 | 172 BIENVILLE DRIVE MADISON, MS 39110 | AFLAC | $12 | — | $12 | 0.02% |
| DAVID C CLOUD JR3 | 12 TRENT DRIVE SE ROME, GA 30161 | AFLAC | $12 | — | $12 | 0.02% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 3343 LANELL LN PEARL, MS 39208 | AFLAC | $10 | — | $10 | 0.02% |
| RANDALL D LADNER3 | 6 GREENBRIAR DRIVE GULFPORT, MS 39507 | AFLAC | $10 | — | $10 | 0.02% |
| TERRANCE M LUCZAJ3 | 1052 S DEWCREST DR ANAHEIM, CA 92808 | AFLAC | $8 | — | $8 | 0.01% |
| PODNAS INC / BECK & ASSOC3 | 3274 CONFETTI BLUSH DRIVE COLUMBUS, GA 31909 | AFLAC | $8 | — | $8 | 0.01% |
| PAUL SHELBY AMOS II3 | 6801 RIVER ROAD SUITE 2100 COLUMBUS, GA 31904 | AFLAC | $8 | — | $8 | 0.01% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 300 NORCROSS, GA 30093 | AFLAC | $7 | — | $7 | 0.01% |
| DEREK B DAVIS3 | 1230 SOUTHPORT SUPPLY ROAD SE BOLIVIA, NC 28422 | AFLAC | $6 | — | $6 | 0.01% |
| DEBORAH B SMITH3 | 647 WOOD POINT WAY DALLAS, GA 30157 | AFLAC | $5 | — | $5 | 0.01% |
| JUSTIN M GUIDI3 | 10785 E GELDING DR SCOTTSDALE, AZ 85255 | AFLAC | $5 | — | $5 | 0.01% |
| LANCE OSBORNE3 | 21822 SEACREST LAND HUNTINGTON BEACH, CA 92646 | AFLAC | $4 | — | $4 | 0.01% |
| PETER B WILKINSON JR3 | 1408 LANCELOT AVENUE WOLFFORTH, TX 79382 | AFLAC | $3 | — | $3 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DRIVE MONROE, GA 30655 | AFLAC | $2 | — | $2 | 0.00% |
| DUSTIN ROBERT JOHNSON3 | 745 W BROMPTON AVE APT 1 CHICAGO, IL 60657 | AFLAC | $2 | — | $2 | 0.00% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $2 | — | $2 | 0.00% |
| DAYTON LLC3 | 5445 DTC PARKWAY SUITE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $1 | — | $1 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| JEFFREY WINNINGHAM3 | 3134 HUNT ROAD ACWORTH, GA 30102 | TRANSAMERICA LIFE INSURANCE COMPANY | $965 | — | $965 | 12.99% |
| VBW INSURANCE SERVICES, INC3 | 2121 NEWMARKET PKWY SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $454 | — | $454 | 6.11% |
| CHRISTOPHER JAMES CORROW3 Filed as: CHRISTOPHER J CORROW | 2796 ASHLEIGH LANE ALPHARETTA, GA 30004 | TRANSAMERICA LIFE INSURANCE COMPANY | $31 | — | $31 | 0.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TELUS HEALTH (US) LTD. EIN 52-1883918 NONE | Plan Administrator; Participant communication; Direct payment from the plan; Consulting (general); Other services Service code 14 | 250 ROYALL STREET, SUITE 210W CANTON, MA 02021 | $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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | 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 | 239 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 544 | $455K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 239 | $2.5M |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 544 | $522K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 544 | $455K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 544 | $455K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 544 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 544 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.