| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $337 | $184K | $184K | 5.38% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | $2K | $18K | 10.93% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| JOSEPH S WILLIAMS3 | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $778 | — | $778 | 3.13% |
| JENNIFER T CARMAN3 | 1919 NOBLIN WOODS TRL DULUTH, GA 30097 | AFLAC | $533 | — | $533 | 2.14% |
| JONATHAN CARMAN3 Filed as: JONATHAN E CARMAN | 1919 NOBLIN WOODS TRL DULUTH, GA 30097 | AFLAC | $460 | — | $460 | 1.85% |
| ROBERT SPENCE YARBROUGH3 Filed as: ROBERT S YARBOUGH | 2764 N THOMPSON RD NE BROOKHAVEN, GA 30319 | AFLAC | $175 | — | $175 | 0.70% |
| JOHN KOWN II3 | 1275 SHILOH RD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $97 | — | $97 | 0.39% |
| SHIRLEY M LLOYD3 | 275 MERRITT DR LAWRENCEVILLE, GA 30044 | AFLAC | $97 | — | $97 | 0.39% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $96 | — | $96 | 0.39% |
| DAVID SPRINGER3 Filed as: DAVID B SPRINGER | 2986 SAINT STEVENS DR TALLAHASSEE, FL 32312 | AFLAC | $84 | — | $84 | 0.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $54 | — | $54 | 0.22% |
| ELENI A NIKOLAS3 | 50 HURT PLZ SE STE 1630 ATLANTA, GA 30303 | AFLAC | $41 | — | $41 | 0.16% |
| JEFFREY M SINTAY3 Filed as: JEFFREY SINTAY | 500 OAKBROOK PKWY STE 350 NORCROSS, GA 30093 | AFLAC | $32 | — | $32 | 0.13% |
| TONYA S LANCASTER3 | 1820 THE EXCHANGE SE STE 750 ATLANTA, GA 30339 | AFLAC | $20 | — | $20 | 0.08% |
| MAGWOOD WARE & ASSOCIATES3 | 333 MCCOOK CIR NW KENNESAW, GA 30144 | AFLAC | $17 | — | $17 | 0.07% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | AFLAC | $16 | — | $16 | 0.06% |
| GSL MARKETING INC3 | PO BOX 358198 GAINESVILLE, FL 32635 | AFLAC | $15 | — | $15 | 0.06% |
| RJSW & ASSOCIATES INC3 | 1344 VICKERS RD TALLAHASSEE, FL 32303 | AFLAC | $10 | — | $10 | 0.04% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $10 | — | $10 | 0.04% |
| JERRY ALFORD3 | 40374 SW FOREST ROAD 181 BRISTOL, FL 32321 | AFLAC | $7 | — | $7 | 0.03% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DR LAWRENCEVILLE, GA 30043 | AFLAC | $6 | — | $6 | 0.02% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN R JOHNSON | 745 W BROMPTON AVE APT 1 CHICAGO, IL 60657 | AFLAC | $6 | — | $6 | 0.02% |
| DAVID C CLOUD JR3 | 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 Filed as: TARRAH L SMITHSON | 2145 SAULS PL ALPHARETTA, GA 30004 | AFLAC | $5 | — | $5 | 0.02% |
| BRANDON C ADAMS3 | 64 SHELBY DR CRAWFORDVILLE, FL 32327 | AFLAC | $4 | — | $4 | 0.02% |
| J W GRIMES INC3 | 6165 WATERFORD RD COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.01% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $2 | — | $2 | 0.01% |
| SUSAN REDDOCH BUFFINGTON3 Filed as: SUSAN R BUFFINGTON | PO BOX 344 MANCHESTER, GA 31816 | AFLAC | $2 | — | $2 | 0.01% |
| ROBERT P FERRONE3 | 262 AUTUMN TRAIL WAY WAVERLY HALL, GA 31831 | AFLAC | $2 | — | $2 | 0.01% |
| AMY A O SHIELDS3 Filed as: AMY O SHIELDS | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | AFLAC | $1 | — | $1 | 0.00% |
| BRANDON C ADAMS3 | 268 SW SHOREWOOD DR DUNNELLON, FL 34431 | AFLAC | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | ONE INDEPENDENCE PLAZA SUITE 800 BIRMINGHAM, AL 35209 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $655 | $4K | 18.61% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $3.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $183K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $3.4M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 207 | $42K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 76 | $37K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 43 | $46K |
| Other(2 contracts, 2 carriers) | AFLAC | 207 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.