| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX #28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68K | $8K | $76K | 9.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $1K | $22K | 2.76% |
| WILLIS TOWERS WATSON US LLC3 | COMMISSION LOCKBOX 28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $9K | $2K | $11K | 2.17% |
| USI INSURANCE SERVICES LLC3 | MIDWEST REGION PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 0.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.41% |
| USI INSURANCE SERVICES LLC3 | MOUNTAIN REGION PO BOX 62817 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $1K | — | $1K | 0.22% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX #28852 NEW YORK, NY 10087 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $8K | $2K | $10K | 2.05% |
| USI INSURANCE SERVICES LLC3 | MIDWEST REGION PO BOX 62889 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $4K | $4K | 0.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $2K | $2K | 0.39% |
| USI INSURANCE SERVICES LLC3 | MOUNTAIN REGION PO BOX 62517 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 0.32% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS* | CARE OF CONTINENTAL AMERICAN P.O. BOX 427 COLUMBIA, SC 29202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51K | — | $51K | 20.36% |
| JOHN L BENN3 | 993 LISMORE DRIVE COLUMBUS, GA 31904 | AFLAC | $3K | — | $3K | 4.10% |
| JOHN E CARTER III3 | 313 TROOP DRIVE FORTSON, GA 31808 | AFLAC | $1K | — | $1K | 1.75% |
| CAMERON A MICHELS3 | 1800 GREYSTONE SUMMIT DRIVE UNIT 1806 CUMMING, GA 30040 | AFLAC | $962 | — | $962 | 1.56% |
| LEVI RENTZ3 | 1628 LEE ROAD SUITE 250 SALEM, AL 36874 | AFLAC | $453 | — | $453 | 0.74% |
| GRACE C JACKSON3 | 2060 PIERCE ROAD PHENIX CITY, AL 36867 | AFLAC | $357 | — | $357 | 0.58% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND COURT COLUMBUS, GA 31909 | AFLAC | $220 | — | $220 | 0.36% |
| FRANK R GRIFFIN JR3 Filed as: FRANK R GRIFFIN JR. | 8601 GARRETT ROAD PO BOX 233 MIDLAND, GA 31820 | AFLAC | $192 | — | $192 | 0.31% |
| SHERRY D MILES3 | 7310 NORTH LAKE DRIVE SUITE B COLUMBUS, GA 31909 | AFLAC | $171 | — | $171 | 0.28% |
| FRANK R GRIFFIN JR3 | 8601 GARRETT RD PO BOX 233 MIDLAND, GA 31820 | AFLAC | $150 | — | $150 | 0.24% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM R DAHLIN | 5454 ROARING BRANCH ROAD COLUMBUS, GA 31904 | AFLAC | $136 | — | $136 | 0.22% |
| DANNY ALLEN3 Filed as: DANNY L ALLEN | 2275 QUEEN AVENUE SE APARTMENT 2 ALBANY, OR 97322 | AFLAC | $99 | — | $99 | 0.16% |
| J STAN ALLEN INC3 | 1800 BUENA VISTA ROAD COLUMBUS, GA 31906 | AFLAC | $95 | — | $95 | 0.15% |
| CHARLES E MCDANIEL II3 Filed as: CHARLES LEE DAIL JR. | 1287 SUNGLOW DRIVE OCEANSIDE, CA 92056 | AFLAC | $90 | — | $90 | 0.15% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $89 | — | $89 | 0.14% |
| WILLIAM L AMOS & CO INC3 | 6801 RIVER ROAD SUITE 205 COLUMBUS, GA 31904 | AFLAC | $85 | — | $85 | 0.14% |
| WILLIAM L AMOS & CO INC3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $82 | — | $82 | 0.13% |
| JOHN BECK3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $67 | — | $67 | 0.11% |
| WILLIAM L AMOS III3 | 6801 RIVER ROAD SUITE 205 COLUMBUS, GA 31904 | AFLAC | $66 | — | $66 | 0.11% |
| WILLIAM L AMOS III3 | 7100 STILWATER DR COLUMBUS, GA 31904 | AFLAC | $58 | — | $58 | 0.09% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DRIVE COLUMBUS, GA 31904 | AFLAC | $54 | — | $54 | 0.09% |
| THOMAS R LAWSON3 | 607 SPRING TRAIL CANTON, GA 30115 | AFLAC | $33 | — | $33 | 0.05% |
| HUSTON WILLOUGHBY JR3 Filed as: HUSTON WILLOUGHBY JR. | 1504 GA HIGHWAY 49 S AMERICUS, GA 31719 | AFLAC | $26 | — | $26 | 0.04% |
| JAMES STANLEY ALLEN3 | 1800 BUENA VISTA ROAD COLUMBUS, GA 31906 | AFLAC | $24 | — | $24 | 0.04% |
| NAKIA M BOPP3 | 1985 RIVIERA DRIVE SUITE 103-205 MOUNT PLEASANT, SC 29464 | AFLAC | $24 | — | $24 | 0.04% |
| KARIN D WILLIAMSON3 | 4318 VISTA DRIVE GUNTERSVILLE, AL 35976 | AFLAC | $24 | — | $24 | 0.04% |
| SUSAN REDDOCH BUFFINGTON3 | 400 TAX ROAD SHILOH, GA 31826 | AFLAC | $22 | — | $22 | 0.04% |
| SCOTTI MADISON3 | 3330 COBB PARKWAY NW SUITE 324-3 ACWORTH, GA 30101 | AFLAC | $20 | — | $20 | 0.03% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $19 | — | $19 | 0.03% |
| TERESA LUMMUS3 Filed as: TERESA A LUMMUS | 145 OCONEE WOODS TRAIL SHARPSBURG, GA 30277 | AFLAC | $15 | — | $15 | 0.02% |
| SHANNON L TROWBRIDGE3 | 202 SPRINGRISE LANE SUMMERVILLE, SC 29486 | AFLAC | $12 | — | $12 | 0.02% |
| SUE C TUCKER3 | 9856 US HIGHWAY 29 N CUSSETA, AL 36852 | AFLAC | $11 | — | $11 | 0.02% |
| C R RAMSEY POTTS3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $10 | — | $10 | 0.02% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 319 N MAIN AVENUE SUITE 130 SPRINGFIELD, MO 65806 | AFLAC | $8 | — | $8 | 0.01% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $7 | — | $7 | 0.01% |
| DEWAYNE D RAY3 | PO BOX 41 GUNTERSVILLE, AL 35976 | AFLAC | $6 | — | $6 | 0.01% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.01% |
| LOUIS CULLEN SMITH3 | 3205 QUIET TREE GROVE OLD HICKORY, TN 37138 | AFLAC | $4 | — | $4 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | AFLAC | $4 | — | $4 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD F BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $3 | — | $3 | 0.00% |
| DAVID MORNINGSTAR3 | 4281 BUCKSKIN WOOD DR ELLICOTT CITY, MD 21042 | AFLAC | $3 | — | $3 | 0.00% |
| JEFFERY TAL WEBB3 | 900 PIERREMONT ROAD SUITE 114 SHREVEPORT, AR 71106 | AFLAC | $3 | — | $3 | 0.00% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $2 | — | $2 | 0.00% |
| DAYTON LLC3 | 5445 OTC PARKWAY SUITE 10236 GREENWOOD VILLAGE, CO 80111 | AFLAC | $1 | — | $1 | 0.00% |
| GARY W JOHNSON3 | 123 CENTER PARK DRIVE SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $1 | — | $1 | 0.00% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX #28852 PO BOX #28852 NEW YORK, NY 10087 | METLIFE LEGAL PLANS | $1K | $44 | $1K | 10.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI COLORADO LLC | PO BOX 7050 ENGLEWOOD, CO 80155 | METLIFE LEGAL PLANS | $457 | $72 | $529 | 4.96% |
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 | 2,137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 4,172 | $676K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,137 | $799K |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,852 | $492K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,852 | $526K |
| Stop-loss / reinsurancereinsurance | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 4,172 | $676K |
| Other(5 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,172 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,172 | — |
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.