| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $333 | $134K | $134K | 4.54% |
| MCGRIFF INSURANCE SERVICES INC3 | ONE INDEPENDENCE PLAZA SUITE 800 BIRMINGHAM, AL 35209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $3K | $22K | 12.50% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| JOSEPH S WILLIAMS3 Filed as: JOSEPH WILLIAMS | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $1K | $60 | $1K | 5.57% |
| JENNIFER T CARMAN3 Filed as: JENNIFER CARMAN | 1919 NOBLIN WOODS TRL DULUTH, GA 30097 | AFLAC | $567 | — | $567 | 2.46% |
| JONATHAN CARMAN3 | 1919 NOBLIN WOODS TRL DULUTH, GA 30097 | AFLAC | $383 | — | $383 | 1.66% |
| ROBERT SPENCE YARBROUGH3 Filed as: ROBERT YARBOUGH | 2764 N THOMPSON RD NE BROOKHAVEN, GA 30319 | AFLAC | $146 | — | $146 | 0.63% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 500 OAKBROOK PKWY STE 350 NORCROSS, GA 30093 | AFLAC | $88 | $14 | $102 | 0.44% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $101 | — | $101 | 0.44% |
| JOHN KOWN II3 | 1275 SHILOH RD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $82 | — | $82 | 0.36% |
| SHIRLEY M LLOYD3 Filed as: SHIRLEY LLOYD | 275 MERRITT DR LAWRENCEVILLE, GA 30044 | AFLAC | $81 | — | $81 | 0.35% |
| DAVID SPRINGER3 | 2986 SAINT STEVENS DR TALLAHASSEE, FL 32312 | AFLAC | $70 | — | $70 | 0.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $45 | — | $45 | 0.19% |
| ELENI A NIKOLAS3 Filed as: ELENI NIKOLAS | 50 HURT PLZ SE STE 1630 ATLANTA, GA 30303 | AFLAC | $34 | — | $34 | 0.15% |
| TONYA LANCASTER3 | 1820 THE EXCHANGE SE STE 750 ATLANTA, GA 30339 | AFLAC | $17 | — | $17 | 0.07% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN III | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | AFLAC | $14 | — | $14 | 0.06% |
| GSL MARKETING INC3 | PO BOX 358198 GAINESVILLE, FL 32635 | AFLAC | $13 | — | $13 | 0.06% |
| CHRISTOPHER WALLACE HOFF3 Filed as: CHRISTOPHER HOFF | 13580 SW CRESTLINE CT TIGARD, OR 97224 | AFLAC | $9 | — | $9 | 0.04% |
| RJSW & ASSOCIATES INC3 | 1344 VICKERS RD TALLAHASSEE, FL 32303 | AFLAC | $8 | — | $8 | 0.03% |
| KATTY W COHEN3 Filed as: KATTY COHEN | 21711 TOWN PLACE DR BOCA RATON, FL 33433 | AFLAC | $7 | — | $7 | 0.03% |
| MAGWOOD WARE & ASSOCIATES3 | 333 MCCOOK CIR NW KENNESAW, GA 30144 | AFLAC | $7 | — | $7 | 0.03% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DR LAWRENCEVILLE, GA 30043 | AFLAC | $7 | — | $7 | 0.03% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $6 | — | $6 | 0.03% |
| JERRY ALFORD3 | 40374 SW FOREST ROAD 181 BRISTOL, FL 32321 | AFLAC | $6 | — | $6 | 0.03% |
| JUANDA L MAGWOOD WARE3 | 333 MCCOOK CIR NW KENNESAW, GA 30144 | AFLAC | $6 | — | $6 | 0.03% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $5 | — | $5 | 0.02% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN JOHNSON | 50 HURT PLZ SE STE 995 STE 1630 ATLANTA, GA 30303 | AFLAC | $5 | — | $5 | 0.02% |
| DAVID C CLOUD JR3 Filed as: DAVID CLOUD JR | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $4 | — | $4 | 0.02% |
| SCOTTI MADISON3 | 3330 COBB PARKWAY STE 324-3 ACWORTH, GA 30101 | AFLAC | $4 | — | $4 | 0.02% |
| TARRAH SMITHSON3 | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $4 | — | $4 | 0.02% |
| BRANDON C ADAMS3 Filed as: BRANDON ADAMS | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $3 | — | $3 | 0.01% |
| ARNETTA CAMERON3 Filed as: ARNETTA D CAMERON | 471 TWAIN CIR SE MABLETON, GA 30126 | AFLAC | $3 | — | $3 | 0.01% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.01% |
| JAVIER ORTIZ3 | 165 NE 96TH ST MIAMI SHORES, FL 33138 | AFLAC | $2 | — | $2 | 0.01% |
| JAMES D DUDLEY3 Filed as: JAMES DUDLEY | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $2 | — | $2 | 0.01% |
| SUSAN REDDOCH BUFFINGTON3 Filed as: SUSAN BUFFINGTON | 400 TAX RD SHILOH, GA 31826 | AFLAC | $2 | — | $2 | 0.01% |
| G SCOTT COOKE3 | 2832 NE 17TH AVE WILTON MANORS, FL 33334 | AFLAC | $1 | — | $1 | 0.00% |
| MARK C LEE3 Filed as: MARK LEE | 1444 S 17TH ST WILMINGTON, NC 28401 | 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% |
| ROBERT P FERRONE3 Filed as: ROBERT FERRONE | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | 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 | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41 | — | $41 | 1.49% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | 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 | 218 | $2.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 217 | $175K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 218 | $3.1M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $48K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 80 | $38K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $52K |
| Other(3 contracts, 2 carriers) | AFLAC | 214 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
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.