| 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 | $2K | $195K | $198K | 5.03% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 28289 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 9.89% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 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 | $5K | — | $5K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | P.O. BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| JOSEPH S WILLIAMS3 | 311 SUMMERSTONE CT CANTON, GA 30114 | AFLAC | $684 | — | $684 | 3.62% |
| JENNIFER T CARMAN3 | 434 ARROWRIDGE WALESKA, GA 30183 | AFLAC | $437 | — | $437 | 2.31% |
| JONATHAN CARMAN3 Filed as: JONATHAN E CARMAN | 1919 NOBLIN WOODS TRL DULUTH, GA 30097 | AFLAC | $390 | — | $390 | 2.06% |
| SHIRLEY M LLOYD3 | 1376 ANNAPOLIS WAY GRAYSON, GA 30017 | AFLAC | $89 | — | $89 | 0.47% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $88 | — | $88 | 0.47% |
| ROBERT SPENCE YARBROUGH3 | 2764 N THOMPSON RD NE BROOKHAVEN, GA 30319 | AFLAC | $84 | — | $84 | 0.44% |
| JOHN P KOWN II3 | 430 DAVIS CARNES LN NW MARIETTA, GA 30064 | AFLAC | $77 | — | $77 | 0.41% |
| DAVID SPRINGER3 Filed as: DAVID B SPRINGER | 2986 SAINT STEVENS DR TALLAHASSEE, FL 32312 | AFLAC | $77 | — | $77 | 0.41% |
| JUAN ORTS3 Filed as: JUAN C ORTS | 920 FLORAL BANK PT WOODSTOCK GA, GA 30188 | AFLAC | $72 | — | $72 | 0.38% |
| JEFFREY M SINTAY3 | 680 BLACKWELL BND ALPHARETTA, GA 30004 | AFLAC | $46 | — | $46 | 0.24% |
| ELENI A NIKOLAS3 | 312 ABBEY CT CANTON, GA 30115 | AFLAC | $38 | — | $38 | 0.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $36 | — | $36 | 0.19% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK RD NW KENNESAW, GA 30152 | AFLAC | $15 | — | $15 | 0.08% |
| GSL MARKETING INC3 | PO BOX 358198 GAINESVILLE, FL 32635 | AFLAC | $14 | — | $14 | 0.07% |
| RJSW & ASSOCIATES INC3 | 1344 VICKERS RD TALLAHASSEE, FL 32303 | AFLAC | $9 | — | $9 | 0.05% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE SUITE 6 OCALA, FL 34470 | AFLAC | $7 | — | $7 | 0.04% |
| JERRY ALFORD3 | 40374 SW FOREST ROAD 181 BRISTOL, FL 32321 | AFLAC | $6 | — | $6 | 0.03% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $6 | — | $6 | 0.03% |
| TONYA S LANCASTER3 Filed as: TONYA S LANCHESTER | 1820 THE EXCHANGE SE STE 750 ATLANTA, GA 30339 | AFLAC | $5 | — | $5 | 0.03% |
| DUSTIN ROBERT JOHNSON3 | 58 MODA LN ATLANTA, GA 30316 | AFLAC | $5 | — | $5 | 0.03% |
| DAVID C CLOUD JR3 | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $5 | — | $5 | 0.03% |
| SCOTTI MADISON3 | 3330 COBB PARKWAY STE 324-3 ACWORTH, GA 30101 | AFLAC | $4 | — | $4 | 0.02% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 2145 SAULS PL ALPHARETTA, GA 30004 | AFLAC | $4 | — | $4 | 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 | 0.02% |
| JOEY C ADAMS3 | 317 NORTHEAST 36TH AVE STE 6 OCALA, FL 34470 | AFLAC | $3 | — | $3 | 0.02% |
| SCOTT A SMITH3 | 6340 SUGARLOAF PKWY STE 200 DULUTH, GA 30097 | AFLAC | $2 | — | $2 | 0.01% |
| ROBERT P FERRONE3 | 4898 GA HIGHWAY 315 APT 1618 FORTSON, GA 31808 | AFLAC | $2 | — | $2 | 0.01% |
| AMY A O SHIELDS3 | 5159 CALGARY DR DOUGLASVILLE, GA 30135 | AFLAC | $1 | — | $1 | 0.01% |
| SUSAN REDDOCH BUFFINGTON3 | PO BOX 344 MANCHESTER, GA 31816 | AFLAC | $1 | — | $1 | 0.01% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $3.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 208 | $158K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $3.9M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 266 | $64K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 78 | $41K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48 | $69K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 266 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.