| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | PO BOX 3198 LITTLE ROCK, AR 722033198 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $103 | $71K | $71K | 5.12% |
| REGIONS INSURANCE INC3 | 1500 RIVERFRONT DR LITTLE ROCK, AR 722021797 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 4.06% |
| BROGLEN, JAMES, RICHARD3 | 1500 RIVERFRONT DR LITTLE ROCK, AR 722021797 | AMERITAS LIFE INSURANCE CORP | $8K | — | $8K | 10.00% |
| JENNIFER T CARMAN3 | 1919 NOBLIN WOODS TRL DULUTH, GA 30097 | AFLAC | $5K | $341 | $5K | 10.14% |
| JONATHAN CARMAN3 Filed as: JONATHAN E CARMAN | 1919 NOBLIN WOODS TRL DULUTH, GA 30097 | AFLAC | $3K | $267 | $3K | 5.84% |
| JOSEPH S WILLIAMS3 | 2400 HERODIAN WAY SE STE 170 SMYRNA, GA 30080 | AFLAC | $2K | $122 | $2K | 3.92% |
| JOSHUA K HOPPE3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $862 | $122 | $984 | 1.94% |
| ROBERT A LEVY3 Filed as: ROBERT YARBROUGH | 1820 THE EXCHANGE SE STE 750 ATLANTA, GA 30339 | AFLAC | $521 | — | $521 | 1.03% |
| SHIRLEY M LLOYD3 Filed as: SHIRLEY LLOYD | 275 MERRITT DR LAWRENCEVILLE, GA 30044 | AFLAC | $270 | — | $270 | 0.53% |
| GLEN KRAUSE3 | 50 HURT PLZ SE STE 995 THE HURT BUILDING ATLANTA, GA 30303 | AFLAC | $202 | — | $202 | 0.40% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $132 | $63 | $195 | 0.38% |
| JOHN KOWN II3 | 1275 SHILOH RD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $101 | — | $101 | 0.20% |
| ANITA SANDEFUR3 | PO BOX 5325 MACON, GA 31208 | AFLAC | $95 | — | $95 | 0.19% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN III | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | AFLAC | $86 | — | $86 | 0.17% |
| DAVID SPRINGER3 | 2986 SAINT STEVENS DR TALLAHASSEE, FL 32312 | AFLAC | $84 | — | $84 | 0.17% |
| TONYA S LANCASTER3 | 1820 THE EXCHANGE SE STE 750 ATLANTA, GA 30339 | AFLAC | $44 | — | $44 | 0.09% |
| JUDITH GUNNELLS3 Filed as: JUDITH S GUNNELLS | 144 BUCKINGHAM PLACE MACON, GA 31204 | AFLAC | $36 | — | $36 | 0.07% |
| ARNETTA CAMERON3 | 471 TWAIN CIR SE MABLETON, GA 30126 | AFLAC | $34 | — | $34 | 0.07% |
| DAVID C CLOUD JR3 | 1301 SHILOH RD NW STE 1020 KENNESAW, GA 30144 | AFLAC | $31 | — | $31 | 0.06% |
| BRANDON C ADAMS3 | 321 SOUTHLAKE DR SAINT AUGUSTINE, FL 32092 | AFLAC | $20 | — | $20 | 0.04% |
| WILLIAM FARMER3 Filed as: WILLIAM G FARMER | 4931 RIVERSIDE DR STE 100 C MACON, GA 31210 | AFLAC | $19 | — | $19 | 0.04% |
| GSL MARKETING INC3 | 14260 W NEWBERRY RD 336 NEWBERRY, FL 32669 | AFLAC | $15 | — | $15 | 0.03% |
| J C ADAMS INC3 Filed as: JC ADAMS INC | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $11 | — | $11 | 0.02% |
| RJSW & ASSOCIATES INC3 | 1344 VICKERS RD TALLAHASSEE, FL 32303 | AFLAC | $10 | — | $10 | 0.02% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $9 | — | $9 | 0.02% |
| JERRY ALFORD3 | 40374 SW FOREST ROAD 181 BRISTOL, FL 32321 | AFLAC | $7 | — | $7 | 0.01% |
| BLAKE BUCKLER3 Filed as: BLAKE T BUCKLER | 11 BERKLEY ROAD AVONDALE ESTATES, GA 30002 | AFLAC | $6 | — | $6 | 0.01% |
| J W GRIMES INC3 Filed as: JW GRIMES INC | 7659 HERITAGE CROSSING WAY REUNION, FL 34747 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIAM WARDLAW JR3 | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $1 | — | $1 | 0.00% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $1.5M |
| Dental | AMERITAS LIFE INSURANCE CORP | 345 | $76K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $1.4M |
| Other | AFLAC | 44 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.