| 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 | $248 | $107K | $108K | 5.10% |
| BROGLEN, JAMES, RICHARD3 | 1500 RIVERFRONT DR LITTLE ROCK, AR 722021797 | AMERITAS LIFE INSURANCE CORP | $10K | — | $10K | 10.00% |
| JENNIFER T CARMAN3 | 1919 NOBLIN WOODS TRL DULUTH, GA 30097 | AFLAC | $8K | $535 | $9K | 13.05% |
| JOSEPH S WILLIAMS3 Filed as: JOSEPH WILLIAMS | 2400 HERODIAIN WAY SE STE 170 SMYRNA, GA 30080 | AFLAC | $3K | $89 | $3K | 3.94% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $1K | — | $1K | 2.14% |
| JONATHAN CARMAN3 | 1919 NOBLIN WOODS TRL DULUTH, GA 30097 | AFLAC | $1K | $122 | $1K | 2.09% |
| JOHN KOWN II3 | 1275 SHILOH RD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $1K | $66 | $1K | 1.61% |
| ROBERT SPENCE YARBROUGH3 Filed as: ROBERT YARBOUGH | 1820 THE EXCHANGE SE ST 750 ATLANTA, GA 30339 | AFLAC | $402 | — | $402 | 0.60% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $382 | — | $382 | 0.57% |
| ELENI A NIKOLAS3 Filed as: ELENI KRAUSE | 50 HURT PLZ SE STE 005 THE HURT BUILDING ATLANTA, GA 30303 | AFLAC | $198 | $43 | $241 | 0.36% |
| SHIRLEY M LLOYD3 Filed as: SHIRLEY LLOYD | 275 MERRITT DR LAWRENCEVILLE, GA 30044 | AFLAC | $193 | $30 | $223 | 0.33% |
| JAVIER ORTIZ3 | 185 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $197 | — | $197 | 0.29% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $173 | — | $173 | 0.26% |
| ARNETTA CAMERON3 | 471 TWAIN CIR SE MABLETON, GA 30126 | AFLAC | $134 | $13 | $147 | 0.22% |
| ANITA SANDEFUR3 | PO BOX 5325 MACON, GA 31208 | AFLAC | $95 | — | $95 | 0.14% |
| DAVID SPRINGER3 | 2986 SAINT STEVENS DR TALLAHASSEE, FL 32312 | AFLAC | $84 | — | $84 | 0.12% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN III | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | AFLAC | $62 | — | $62 | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $57 | — | $57 | 0.08% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $40 | — | $40 | 0.06% |
| TONYA LANCASTER3 | 1820 THE EXCHANGE SE STE 750 ATLANTA, GA 30339 | AFLAC | $40 | — | $40 | 0.06% |
| JUDITH GUNNELLS3 | 144 BUCKINGHAM PLACE MACON, GA 30093 | AFLAC | $36 | — | $36 | 0.05% |
| DAVID C CLOUD JR3 Filed as: DAVID CLOUD JR | 1301 SHILOH RD NW STE 1020 KENNESAW, GA 30144 | AFLAC | $22 | — | $22 | 0.03% |
| WILLIAM FARMER3 | STE 100 C 4931 RIVERSIDE DR MACON, GA 31210 | AFLAC | $19 | — | $19 | 0.03% |
| BLAKE BUCKLER3 Filed as: BLAKE BUCKLEY | 11 BERKLEY RD AVONDALE ESTATES, GA 30002 | AFLAC | $18 | — | $18 | 0.03% |
| GSL MARKETING INC3 | 14280 W NEWBERRY ROAD #336 NEWBERRY, FL 32669 | AFLAC | $15 | — | $15 | 0.02% |
| BRANDON C ADAMS3 Filed as: BRANDON ADAMS | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $14 | — | $14 | 0.02% |
| J C ADAMS INC3 | 5631 NE 31ST TER OCALA, FL 34479 | AFLAC | $11 | — | $11 | 0.02% |
| RJSW & ASSOCIATES INC3 Filed as: RJSW & ASSOCIATES | 1344 VICKERS RD TALLAHASSEE, FL 32303 | AFLAC | $10 | — | $10 | 0.01% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $9 | — | $9 | 0.01% |
| JERRY ALFORD3 | 40374 SW FOREST ROAD 181 BRISTOL, FL 32321 | AFLAC | $7 | — | $7 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DR LAWRENCEVILLE, GA 30043 | AFLAC | $6 | — | $6 | 0.01% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.00% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN JOHNSON | 50 HURT PLZ SE STE 995 ATLANTA, GA 30303 | AFLAC | $3 | — | $3 | 0.00% |
| JAMES D DUDLEY3 Filed as: JAMES DUDLEY | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $2 | — | $2 | 0.00% |
| SCOTTI MADISON3 | 3330 COBB PARKWAY STE 324-3 ACWORTH, GA 30101 | AFLAC | $2 | — | $2 | 0.00% |
| TARRAH SMITHSON3 | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $2 | — | $2 | 0.00% |
| ALEXANDER WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $2 | — | $2 | 0.00% |
| AMY A O SHIELDS3 Filed as: AMY O SHIELDS | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | AFLAC | $2 | — | $2 | 0.00% |
| SUSAN REDDOCH BUFFINGTON3 Filed as: SUSAN BUFFINGTON | 400 TAX RD SHILOH, GA 31826 | AFLAC | $1 | — | $1 | 0.00% |
| LEE RYAN MCGRAW3 Filed as: LEE MCGRAW | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM WARDLAW JR3 | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $1 | — | $1 | 0.00% |
| WENDY M RANKIN3 Filed as: WENDY RANKIN | 341 PEBBLE TRL ALPHARETTA, GA 30009 | AFLAC | $0 | — | $0 | 0.00% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 1701 WILLIAMS CT APT 202 COLUMBUS, GA 31904 | AFLAC | $0 | — | $0 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1444 SOUTH 17TH ST WILMINGTON, NC 28401 | AFLAC | $0 | $0 | $0 | 0.00% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 16.05% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $823 | — | $823 | 16.15% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $2.1M |
| Dental | AMERITAS LIFE INSURANCE CORP | 402 | $98K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 281 | $2.1M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 224 | $41K |
| Other | AFLAC | 54 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.