| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $119K | $120K | 2.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | P.O. BOX 896620 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $961 | $89K | $90K | 2.16% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 5.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES LLC | P.O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 4.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 13.66% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $841 | — | $841 | 1.34% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 13.65% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $489 | — | $489 | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.71% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $413 | — | $413 | 1.29% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 896620 CHARLOTTE, NC 28289 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.65% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $400 | — | $400 | 1.34% |
| JOSEPH S WILLIAMS3 | 311 SUMMERSTONE CT CANTON, GA 30114 | AFLAC | $463 | $26 | $489 | 2.65% |
| JENNIFER T CARMAN3 | 434 ARROWRIDGE WALESKA, GA 30183 | AFLAC | $458 | — | $458 | 2.48% |
| JONATHAN CARMAN3 Filed as: JONATHAN E CARMAN | 1919 NOBLIN WOODS TRL DULUTH, GA 30097 | AFLAC | $397 | — | $397 | 2.15% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $96 | — | $96 | 0.52% |
| SHIRLEY M LLOYD3 | 1376 ANNAPOLIS WAY GRAYSON, GA 30017 | AFLAC | $87 | — | $87 | 0.47% |
| JOHN P KOWN II3 | 430 DAVIS CARNES LN NW MARIETTA, GA 30064 | AFLAC | $84 | — | $84 | 0.46% |
| DAVID SPRINGER3 Filed as: DAVID B SPRINGER | 2986 SAINT STEVENS DR TALLAHASSEE, FL 32312 | AFLAC | $84 | — | $84 | 0.46% |
| ROBERT SPENCE YARBROUGH3 | 2764 N THOMPSON RD NE BROOKHAVEN, GA 30319 | AFLAC | $54 | — | $54 | 0.29% |
| ELENI A NIKOLAS3 Filed as: ELENI KRAUSE | 312 ABBEY CT CANTON, GA 30115 | AFLAC | $37 | — | $37 | 0.20% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $29 | — | $29 | 0.16% |
| JUAN ORTS3 | 920 FLORAL BANK PT WOODSTOCK, GA 30188 | AFLAC | $13 | $6 | $19 | 0.10% |
| GSL MARKETING INC3 | PO BOX 358198 GAINESVILLE, FL 32635 | AFLAC | $15 | — | $15 | 0.08% |
| JEFFREY M SINTAY3 | 680 BLACKWELL BND ALPHARETTA, GA 30004 | AFLAC | $8 | $6 | $14 | 0.08% |
| SANDRA ADAMS3 | 1817 CYPRESS POINT RD OCALA, FL 34472 | AFLAC | $11 | — | $11 | 0.06% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | AFLAC | $10 | — | $10 | 0.05% |
| RJSW & ASSOCIATES INC3 | 1344 VICKERS RD TALLAHASSEE, FL 32303 | AFLAC | $10 | — | $10 | 0.05% |
| JERRY ALFORD3 | 40374 SW FOREST ROAD 181 BRISTOL, FL 32321 | AFLAC | $7 | — | $7 | 0.04% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $6 | — | $6 | 0.03% |
| DUSTIN ROBERT JOHNSON3 | 58 MODA LN ATLANTA, GA 30316 | AFLAC | $6 | — | $6 | 0.03% |
| CHARLES S MADISON3 Filed as: CHARLES MADISON | 3330 COBB PARKWAY STE 324-3 ACWORTH, GA 30101 | AFLAC | $5 | — | $5 | 0.03% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 2145 SAULS PL ALPHARETTA, GA 30004 | AFLAC | $5 | — | $5 | 0.03% |
| TONYA S LANCASTER3 Filed as: TONYA S LANCHESTER | 1820 THE EXCHANGE SE STE 750 ATLANTA, GA 30339 | AFLAC | $3 | — | $3 | 0.02% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $3 | — | $3 | 0.02% |
| BRANDON C ADAMS3 | 64 SHELBY DR CRAWFORDVILLE, FL 32327 | AFLAC | $3 | — | $3 | 0.02% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.02% |
| ARNETTA CAMERON3 | 471 TWAIN CIR SE MABLETON, GA 30126 | AFLAC | $3 | — | $3 | 0.02% |
| SCOTT A SMITH3 | 6340 SUGARLOAF PKWY STE 200 DULUTH, GA 30097 | AFLAC | $2 | — | $2 | 0.01% |
| ROBERT P FERRONE3 | PO BOX 246 APT 1618 HAMILTON, GA 31811 | AFLAC | $2 | — | $2 | 0.01% |
| AMY A O SHIELDS3 | 5159 CALGARY DR DOUGLASVILLE, GA 30135 | AFLAC | $1 | — | $1 | 0.01% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $4.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $160K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 191 | $4.2M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 259 | $62K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 68 | $36K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $63K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 259 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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."
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.
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.