| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | ONE INDEPENDENCE PLAZA SUITE 800 BIRMINGHAM, AL 35209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 10.59% |
| MCGRIFF INSURANCE SERVICES INC3 | PO. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $236 | $114K | $114K | 100.21% |
| REGIONS INSURANCE INC3 | 1020 HIGHLAND COLONY PKWY RIDGELAND, MS 39157 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.66% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 10100 KATY FREEWAY #400 HOUSTON, TX 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.85% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 4.33% |
| JOSEPH S WILLIAMS3 Filed as: JOSEPH WILLIAMS | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $1K | $44 | $1K | 4.19% |
| JENNIFER T CARMAN3 Filed as: JENNIFER CARMAN | 1919 NOBLIN WOODS TRL DULUTH, GA 30097 | AFLAC | $858 | — | $858 | 2.80% |
| JONATHAN CARMAN3 | 1919 NOBLIN WOODS TRL DULUTH, GA 30097 | AFLAC | $468 | — | $468 | 1.53% |
| ROBERT SPENCE YARBROUGH3 Filed as: ROBERT YARBOUGH | 2764 N THOMPSON RD NE BROOKHAVEN, GA 30319 | AFLAC | $180 | — | $180 | 0.59% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $142 | — | $142 | 0.46% |
| JOHN KOWN II3 | 1275 SHILOH RD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $116 | — | $116 | 0.38% |
| SHIRLEY M LLOYD3 Filed as: SHIRLEY LLOYD | 275 MERRITT DR LAWRENCEVILLE, GA 30044 | AFLAC | $97 | — | $97 | 0.32% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $85 | — | $85 | 0.28% |
| DAVID SPRINGER3 | 2986 SAINT STEVENS DR TALLAHASSEE, FL 32312 | AFLAC | $84 | — | $84 | 0.27% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 500 OAKBROOK PKWY STE 350 NORCROSS, GA 30093 | AFLAC | $57 | — | $57 | 0.19% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $56 | — | $56 | 0.18% |
| ELENI A NIKOLAS3 Filed as: ELENI NIKOLAS | 50 HURT PLZ SE STE 1630 ATLANTA, GA 30303 | AFLAC | $41 | — | $41 | 0.13% |
| JUANDA L MAGWOOD WARE3 | 333 MCCOOK CIR NW KENNESAW, GA 30144 | AFLAC | $20 | $7 | $27 | 0.09% |
| TONYA LANCASTER3 | 1820 THE EXCHANGE SE STE 750 ATLANTA, GA 30339 | AFLAC | $22 | — | $22 | 0.07% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $21 | — | $21 | 0.07% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN III | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | AFLAC | $16 | — | $16 | 0.05% |
| GSL MARKETING INC3 | PO BOX 358198 GAINESVILLE, FL 32635 | AFLAC | $15 | — | $15 | 0.05% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER HOFF | 13580 SW CRESTLINE CT TIGARD, OR 97224 | AFLAC | $13 | — | $13 | 0.04% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $13 | — | $13 | 0.04% |
| SANDRA ADAMS3 | 1817 CYPRESS POINT RD OCALA, FL 34472 | AFLAC | $11 | — | $11 | 0.04% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $10 | — | $10 | 0.03% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DR LAWRENCEVILLE, GA 30043 | AFLAC | $10 | — | $10 | 0.03% |
| RJSW & ASSOCIATES INC3 | 1344 VICKERS RD TALLAHASSEE, FL 32303 | AFLAC | $10 | — | $10 | 0.03% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN JOHNSON | 50 HURT PLZ SE STE 995 STE 1630 ATLANTA, GA 30303 | AFLAC | $7 | — | $7 | 0.02% |
| JERRY ALFORD3 | 40374 SW FOREST ROAD 181 BRISTOL, FL 32321 | AFLAC | $7 | — | $7 | 0.02% |
| ARNETTA CAMERON3 Filed as: ARNETTA D CAMERON | 471 TWAIN CIR SE MABLETON, GA 30126 | AFLAC | $7 | — | $7 | 0.02% |
| DAVID C CLOUD JR3 Filed as: DAVID CLOUD JR | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $5 | — | $5 | 0.02% |
| SCOTTI MADISON3 | 3330 COBB PARKWAY STE 324-3 ACWORTH, GA 30101 | AFLAC | $5 | — | $5 | 0.02% |
| TARRAH SMITHSON3 | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $5 | — | $5 | 0.02% |
| BRANDON C ADAMS3 Filed as: BRANDON ADAMS | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES D DUDLEY3 Filed as: JAMES DUDLEY | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $3 | — | $3 | 0.01% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.01% |
| BLAKE BUCKLER3 | 11 BERKELEY RD AVONDALE ESTATES, GA 30002 | AFLAC | $2 | — | $2 | 0.01% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $2 | — | $2 | 0.01% |
| SUSAN REDDOCH BUFFINGTON3 Filed as: SUSAN BUFFINGTON | 400 TAX RD SHILOH, GA 31826 | AFLAC | $2 | — | $2 | 0.01% |
| MARK C LEE3 Filed as: MARK LEE | 1444 S 17TH ST WILMINGTON, NC 28401 | AFLAC | $1 | — | $1 | 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% |
| AMY A O SHIELDS3 Filed as: AMY O SHIELDS | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | AFLAC | $1 | — | $1 | 0.00% |
| LEE RYAN MCGRAW3 Filed as: LEE MCGRAW | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.14% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 10100 KATY FREEWAY #400 HOUSTON, TX 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.01% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.86% |
| ADP INC3 Filed as: ADP INSURANCE SERVICES AGENCY INC | ONE ADP BOULEVARD ROSELAND, NJ 07068 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $413 | $413 | 1.41% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.64% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS INC | 10100 KATY FREEWAY #400 HOUSTON, TX 77043 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 8.05% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CTR DR STE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $646 | — | $646 | 4.36% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $114K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $194K |
| Vision(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $308K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 74 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 31 | $29K |
| Other(2 contracts, 2 carriers) | AFLAC | 209 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.