| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANDMARK BENEFITS INC3 Filed as: LANDMARK INSURANCE LLC | 5400 LAUREL SPRINGS PARKWAY SUITE 1203 SUWANEE, GA 30024 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC | $41K | $5K | $46K | 5.41% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK INSURANCE LLC | 5400 LAUREL SPRINGS PARKWAY SUITE 1203 SUWANEE, GA 30024 | HUMANA INSURANCE COMPANY | $7K | $2K | $9K | 11.76% |
| BOTTOM LINE BENEFITS, LLC3 Filed as: BOTTOM LINE BENEFITS LLC | 6060 LAKE ACWORTH DRIVE NW SUITE R ACWORTH, GA 30101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 24.60% |
| THE CASON GROUP INC3 | 1612 MARION STREET SUITE 1 COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $5K | $8K | 13.54% |
| THE CASON GROUP INC3 | 1612 MARION STREET FOURTH FLOOR COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 10.84% |
| JEFFREY WINNINGHAM3 | 3134 HUNT ROAD ACWORTH, GA 30102 | AFLAC | $59 | — | $59 | 3.45% |
| BOTTOM LINE BENEFITS, LLC3 Filed as: BOTTOM LINE BENEFITS LLC | 6060 LAKE ACWORTH DRIVE NW SUITE R ACWORTH, GA 30101 | AFLAC | $55 | — | $55 | 3.22% |
| DAVID P HORAH3 Filed as: DAVID HORAH | 2061 TAYLORSVILLE ROAD TAYLORSVILLE, GA 30178 | AFLAC | $36 | — | $36 | 2.11% |
| JOSEPH T DANIELS3 Filed as: JOSEPH DANIELS JR | 6060 LAKE ACWORTH DRIVE NW SUITE R ACWORTH, GA 30101 | AFLAC | $33 | — | $33 | 1.93% |
| JOE F HARRIS JR3 Filed as: JOE HARRIS JR | PO BOX 848 CARTERSVILLE, GA 30120 | AFLAC | $10 | — | $10 | 0.59% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: ROGER BROWN | 1575 RIDENOUR PARKWAY NW APT 1534 KENNESAW, GA 30152 | AFLAC | $9 | — | $9 | 0.53% |
| SJR INSURANCE LLC3 | 3732 UPLAND DRIVE MARIETTA, GA 30066 | AFLAC | $9 | — | $9 | 0.53% |
| THOMAS BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $8 | — | $8 | 0.47% |
| ANDY B GLENN II3 Filed as: ANDY GLENN II | 2999 DOUGLAS BOULEVARD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $7 | — | $7 | 0.41% |
| JUANITA A MOLTIMORE3 Filed as: JUANITA MOLTIMORE | 437 AUTUM DRIVE RIVERDALE, GA 30274 | AFLAC | $6 | — | $6 | 0.35% |
| JOHN MANN JR3 | 3417 HICKORY WOODS TRAIL MARIETTA, GA 30066 | AFLAC | $5 | — | $5 | 0.29% |
| BURNETTE INSURANCE AGENCY3 Filed as: BURNETTE INS AGENCY INC | 3447 LAWRENCEVILLE SUWANNE ROAD SUWANEE, GA 30024 | AFLAC | $4 | — | $4 | 0.23% |
| JEFFREY TAYLOR3 | 820 WHITE OAK DRIVE NEWNAN, GA 30265 | AFLAC | $4 | — | $4 | 0.23% |
| DAVID C CLOUD JR3 Filed as: DAVID CLOUD JR | 12 TRENT DRIVE SE ROME, GA 30161 | AFLAC | $3 | — | $3 | 0.18% |
| REX L BROOKS3 Filed as: REX BROOKS | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $3 | — | $3 | 0.18% |
| BRIAN D ELY3 Filed as: BRIAN ELY | 2121 NEWMARKET PARKWAY SE SUITE 100 MARIETTA, GA 30067 | AFLAC | $3 | — | $3 | 0.18% |
| MILLAN B TERRELL3 Filed as: MILLAN TERRELL | 1299 BATTLECREEK RAOD SUITE 240 JONESBORO, GA 30236 | AFLAC | $3 | — | $3 | 0.18% |
| DEBORAH B SMITH3 Filed as: DEBORAH SMITH | 5703 BRYNWOOD CIRCLE NW ACWORTH, GA 30101 | AFLAC | $2 | — | $2 | 0.12% |
| V C SMITH LLC3 Filed as: VC SMITH LLC | 1352 HARVARD ROAD NE ATLANTA, GA 30101 | AFLAC | $2 | — | $2 | 0.12% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN III | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | AFLAC | $2 | — | $2 | 0.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $1 | — | $1 | 0.06% |
| AMY A O SHIELDS3 Filed as: AMY O SHIELDS | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | AFLAC | $1 | — | $1 | 0.06% |
| ALEXANDER WARD3 | 5194 FOREST VIEW COURT SE MABLETON, GA 30126 | AFLAC | $1 | — | $1 | 0.06% |
| WILLIAM WARDLAW JR3 | 195 GARFIELD STREET SANTA ROSA BEACH, FL 32459 | AFLAC | $1 | — | $1 | 0.06% |
| JOHN KOWN II3 | 430 DAVIS CARNES LANE NW MARIETTA, GA 30622 | AFLAC | $1 | — | $1 | 0.06% |
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 | 80 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 86 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA INC | 68 | $858K |
| Dental | HUMANA INSURANCE COMPANY | 66 | $77K |
| Vision | HUMANA INSURANCE COMPANY | 66 | $77K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 80 | $62K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 80 | $62K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 80 | $62K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 80 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 80 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.