| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $266 | $123K | $123K | 5.03% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | PO BOX 2153 BIRMINGHAM, AL 352870002 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $27 | $10K | 8.39% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INS INC | 1500 RIVERFRONT DR STE 200 LITTLE ROCK, AR 722021745 | METROPOLITAN LIFE INSURANCE COMPANY | — | $518 | $518 | 0.42% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 4951 FORSYTH RD 1ST FL MACON, GA 31210 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 12.00% |
| JENNIFER T CARMAN3 Filed as: JENNIFER CARMAN | 1919 NOBLIN WOODS TRL DULUTH, GA 30097 | AFLAC | $2K | — | $2K | 3.51% |
| JOSEPH S WILLIAMS3 Filed as: JOSEPH WILLIAMS | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $1K | $36 | $1K | 2.72% |
| JONATHAN CARMAN3 | 1919 NOBLIN WOODS TRL DULUTH, GA 30097 | AFLAC | $988 | $180 | $1K | 2.21% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $305 | — | $305 | 0.58% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $264 | — | $264 | 0.50% |
| ROBERT SPENCE YARBROUGH3 Filed as: ROBERT YARBOUGH | 2764 N THOMPSON RD NE BROOKHAVEN, GA 30319 | AFLAC | $231 | — | $231 | 0.44% |
| JOHN KOWN II3 | 1275 SHILOH RD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $194 | — | $194 | 0.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $144 | $36 | $180 | 0.34% |
| DAVID SPRINGER3 | 2986 SAINT STEVENS DR TALLAHASSEE, FL 32312 | AFLAC | $84 | — | $84 | 0.16% |
| SHIRLEY M LLOYD3 Filed as: SHIRLEY LLOYD | 275 MERRITT DR LAWRENCEVILLE, GA 30044 | AFLAC | $81 | — | $81 | 0.15% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $73 | — | $73 | 0.14% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER HOFF | 13580 SW CRESTLINE CT TIGARD, OR 97224 | AFLAC | $64 | — | $64 | 0.12% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $53 | — | $53 | 0.10% |
| ELENI A NIKOLAS3 Filed as: ELENI NIKOLAS | 50 HURT PLZ SE STE 1630 ATLANTA, GA 30303 | AFLAC | $39 | — | $39 | 0.07% |
| TONYA LANCASTER3 | 1820 THE EXCHANGE SE STE 750 ATLANTA, GA 30339 | AFLAC | $39 | — | $39 | 0.07% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN III | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | AFLAC | $21 | — | $21 | 0.04% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $21 | — | $21 | 0.04% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DR LAWRENCEVILLE, GA 30043 | AFLAC | $21 | — | $21 | 0.04% |
| BLAKE BUCKLER3 | 11 BERKELEY RD AVONDALE ESTATES, GA 30002 | AFLAC | $19 | — | $19 | 0.04% |
| GSL MARKETING INC3 | PO BOX 358198 GAINESVILLE, FL 32635 | AFLAC | $15 | — | $15 | 0.03% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN JOHNSON | 50 HURT PLZ SE STE 995 STE 1630 ATLANTA, GA 30303 | AFLAC | $14 | — | $14 | 0.03% |
| J C ADAMS INC3 | 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% |
| SCOTTI MADISON3 | 3330 COBB PARKWAY STE 324-3 ACWORTH, GA 30101 | AFLAC | $8 | — | $8 | 0.02% |
| TARRAH SMITHSON3 | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $8 | — | $8 | 0.02% |
| DAVID C CLOUD JR3 Filed as: DAVID CLOUD JR | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $7 | — | $7 | 0.01% |
| JERRY ALFORD3 | 40374 SW FOREST ROAD 181 BRISTOL, FL 32321 | AFLAC | $7 | — | $7 | 0.01% |
| JAMES D DUDLEY3 Filed as: JAMES DUDLEY | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $6 | — | $6 | 0.01% |
| BRANDON C ADAMS3 Filed as: BRANDON ADAMS | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $5 | — | $5 | 0.01% |
| SUSAN REDDOCH BUFFINGTON3 Filed as: SUSAN BUFFINGTON | 400 TAX RD SHILOH, GA 31826 | AFLAC | $5 | — | $5 | 0.01% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.01% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 1701 WILLIAMS CT APT 202 COLUMBUS, GA 31904 | 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% |
| LEE RYAN MCGRAW3 Filed as: LEE MCGRAW | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM WARDLAW JR3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $1 | — | $1 | 0.00% |
| WENDY M RANKIN3 Filed as: WENDY RANKIN | 114 BROAD ST APT 201 ROME, GA 30161 | AFLAC | $1 | — | $1 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $0 | — | $0 | 0.00% |
| ALEXANDER WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $0 | — | $0 | 0.00% |
| REGIONS INSURANCE INC Filed as: REGIONS INSURANCE | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | — | — | $0 | 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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 171 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 568 | $124K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 289 | $2.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 210 | $68K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 210 | $68K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 210 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 568 | — |
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.