| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $124K | $16K | $140K | 2.79% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $3K | $30K | 16.78% |
| SUE TUCKER3 Filed as: SUE C TUCKER | 9856 US HIGHWAY 29 N CUSSETA, AL 36852 | AFLAC | $5K | $202 | $6K | 3.48% |
| RICHARD CARTER SR3 Filed as: RICHARD K CARTER SR | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $2K | $175 | $3K | 1.65% |
| MARSHAL DARRAH INC3 | PO BOX 353 NEWTON, GA 39870 | AFLAC | $2K | $0 | $2K | 1.40% |
| KIMBERLY M FUTCH3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $2K | $163 | $2K | 1.19% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744831 ATLANTA, GA 30374 | AFLAC | $1K | $0 | $1K | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 W 10TH ST WEST POINT, GA 31833 | AFLAC | $1K | $0 | $1K | 0.69% |
| JASON M MCCONNELL3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $640 | $291 | $931 | 0.59% |
| CHELSEY SEAWELL ARMSTRONG3 | 3100 SEVILLE TER DOTHAN, AL 36303 | AFLAC | $402 | $94 | $496 | 0.31% |
| LORI A LAPORTE3 | PO BOX 793 AUBURN, AL 36831 | AFLAC | $285 | $128 | $413 | 0.26% |
| MELISSA K ETHERIDGE3 | 126 HEATHER LN LEESBURG, GA 31763 | AFLAC | $385 | $0 | $385 | 0.24% |
| BRETT KLUTZ3 Filed as: BRETT H KLUTZ | 67 LEE ROAD 874 OPELIKA, AL 36804 | AFLAC | $318 | $0 | $318 | 0.20% |
| JOHN HENRY PHILLIPS JR3 Filed as: JOHN HENRY PHILLIPS | 3801 OLD DAWSON RD ALBANY, GA 31721 | AFLAC | $301 | $0 | $301 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 3209 S CHEROKEE LN STE 510 WEST POINT, GA 31833 | AFLAC | $274 | $0 | $274 | 0.17% |
| AMY RILES3 Filed as: AMY P RILES | 1720 WHISPERWOOD ST ALBANY, GA 31721 | AFLAC | $263 | $0 | $263 | 0.17% |
| LACEY GRAY HEWES3 | 518 ROSEMONT DR DOTHAN, AL 36303 | AFLAC | $107 | $124 | $231 | 0.15% |
| TAMARA DIANNE NEWSOME3 | 998 HIGHLAND AVE AUGUSTA, GA 30904 | AFLAC | $226 | $0 | $226 | 0.14% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 2084 COVERED BRIDGE PKWY WINDSOR, CO 80550 | AFLAC | $153 | $0 | $153 | 0.10% |
| WILLIAM L AMOS & CO INC3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $152 | $0 | $152 | 0.10% |
| AMY RILES3 Filed as: AMY T BROADAWAY | 707 WILDWOOD DR ALBANY, GA 31721 | AFLAC | $149 | $0 | $149 | 0.09% |
| KAREN D LUTHMAN3 | 208 STONEGATE LN ALBANY, GA 31721 | AFLAC | $105 | $0 | $105 | 0.07% |
| THOMAS ALONZO RICHARDS3 | 1208 FIVE MILE RD EUFAULA, AL 36027 | AFLAC | $101 | $0 | $101 | 0.06% |
| BRITTANY REYNOLDS3 Filed as: BRITTANY D REYNOLDS | 5928 ROARING BRANCH RD COLUMBUS, GA 31904 | AFLAC | $92 | $0 | $92 | 0.06% |
| CLEM JOHN NORMAN3 | 104 RIVERVIEW LN LEESBURG, GA 31763 | AFLAC | $83 | $0 | $83 | 0.05% |
| JIMMY MESSICK JR3 Filed as: JIMMY C MESSICK JR | 2611 BLALOCK CIR PHENIX CITY, AL 36867 | AFLAC | $69 | $0 | $69 | 0.04% |
| FRANCES SANDRA BOND3 | 480 HOLLY SPRINGS CHURCH RD INMAN, SC 29349 | AFLAC | $66 | $0 | $66 | 0.04% |
| JRP AGENCY LLC3 | 4712 RADAR SITE RD VALDOSTA, GA 31605 | AFLAC | $66 | $0 | $66 | 0.04% |
| SHAWN K TAYLOR3 | 59 LEE ROAD 2123 PHENIX CITY, AL 36867 | AFLAC | $63 | $0 | $63 | 0.04% |
| BRYCE ALLEN DIAL3 | 8091 TURTLE CREEK DR COLUMBUS, GA 31909 | AFLAC | $59 | $0 | $59 | 0.04% |
| NATHAN A HODGE3 | 24 PINEWOOD LN JACKSONS GAP, AL 36861 | AFLAC | $56 | $0 | $56 | 0.04% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $55 | $0 | $55 | 0.03% |
| TRACIE MINIX3 Filed as: TRACIE F MINIX | 500 LEE ROAD 263 CUSSETA, AL 36852 | AFLAC | $53 | $0 | $53 | 0.03% |
| TED W ANDERSON3 | 2730 DOVER LN ALBANY, GA 31721 | AFLAC | $52 | $0 | $52 | 0.03% |
| KAREN D PARKER3 | 128 FLOYD MCNEAL DR HAHIRA, GA 31632 | AFLAC | $52 | $0 | $52 | 0.03% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $45 | $0 | $45 | 0.03% |
| JON M LOUDEN3 | 22739 E PRENTICE PL AURORA, CO 80015 | AFLAC | $44 | $0 | $44 | 0.03% |
| KEVIN ELEDGE3 | 9305 STAGE COACH RD BACONTON, GA 31716 | AFLAC | $44 | $0 | $44 | 0.03% |
| ROBERT P FERRONE3 Filed as: ROBERT C MOBLEY | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $44 | $0 | $44 | 0.03% |
| PW BENEFITS LLC3 | 3038 LEAFMORE DR COLUMBUS, GA 31909 | AFLAC | $42 | $0 | $42 | 0.03% |
| PODNAS INC / BECK & ASSOC3 Filed as: PODNAS INC/ BECK & ASSOC | 3411 CONFETTI BLUSH DR COLUMBUS, GA 31909 | AFLAC | $40 | $0 | $40 | 0.03% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $38 | $0 | $38 | 0.02% |
| DOUGLAS H CRAWFORD JR3 | 5188 KENDAL CT COLUMBUS, GA 31907 | AFLAC | $37 | $0 | $37 | 0.02% |
| DANNY T SCROGGINS3 | 3 SHADOWRIDGE DR PHENIX CITY, AL 36869 | AFLAC | $31 | $0 | $31 | 0.02% |
| KATINA JOY FAUST3 | 1145 AMERICUS HWY DAWSON, GA 39842 | AFLAC | $31 | $0 | $31 | 0.02% |
| MISTY MARIE MARTIN3 | 253 LEE ROAD 2105 PHENIX CITY, AA 36870 | AFLAC | $26 | $0 | $26 | 0.02% |
| LEE RYAN MCGRAW3 | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $25 | $0 | $25 | 0.02% |
| DONALD BECK JR3 Filed as: DONALD W BECK JR | 3411 CONFETTI BLUSH DR COLUMBUS, GA 31909 | AFLAC | $24 | $0 | $24 | 0.02% |
| LAURA K SLAY3 | 1203 S 6TH ST LANETT, AL 36863 | AFLAC | $23 | $0 | $23 | 0.01% |
| TRACIE D BLANKENSHIP3 | 3095 HARTRIDGE DR ALPHARETTA, GA 30022 | AFLAC | $23 | $0 | $23 | 0.01% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $22 | $0 | $22 | 0.01% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $21 | $0 | $21 | 0.01% |
| PATRICIA STALLARD3 | 6738 HOLIDAY PT BUFORD, GA 30518 | AFLAC | $21 | $0 | $21 | 0.01% |
| DORIS L BRACKETT3 | 3233 HIGHGATE CHASE CT BERKELEY LAKE, GA 30092 | AFLAC | $20 | $0 | $20 | 0.01% |
| TIMOTHY R GOLDEN3 | 110 BEACON HL VALDOSTA, GA 31602 | AFLAC | $20 | $0 | $20 | 0.01% |
| MARGARET E MAYO3 | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $19 | $0 | $19 | 0.01% |
| MIMS BENEFIT GROUP3 | 118 NORTHAMPTON RD LEESBURG, GA 31763 | AFLAC | $18 | $0 | $18 | 0.01% |
| LARA CARLSON3 Filed as: LARA K CARLSON | 106 LAUREL VIEW DR ST SIMONS ISLAND, GA 31522 | AFLAC | $18 | $0 | $18 | 0.01% |
| WILLIAM L AMOS III3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $17 | $0 | $17 | 0.01% |
| EDWARD B SHAW3 | PO BOX 724728 POINTENORTH INSURANCE GROUP LLC ATLANTA, GA 31139 | AFLAC | $16 | $0 | $16 | 0.01% |
| WHITNEY L MILLWOOD3 | 3944 MURPHY CANYON RD ST C203 SAN DIEGO, CA 92123 | AFLAC | $16 | $0 | $16 | 0.01% |
| BILLY W MANN3 | 1157 SMYRNA RD GOODWATER, AL 35072 | AFLAC | $16 | $0 | $16 | 0.01% |
| PRITCHARD & JERDEN INC3 | 950 E PACES FERRY RD NE STE 2000 ATLANTA, GA 30326 | AFLAC | $15 | $0 | $15 | 0.01% |
| ROBERT F TOWNS3 | 1261 TANGLEBROOK DR ATHENS, GA 30606 | AFLAC | $14 | $0 | $14 | 0.01% |
| WALTER KOGUT3 | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $12 | $0 | $12 | 0.01% |
| PARKERZ INSURANCE LLC3 | 4676 SAN SABA DR HAHIRA, GA 31632 | AFLAC | $11 | $0 | $11 | 0.01% |
| SELINA STURGIS3 | 4095 DASHER RD LAKE PARK, GA 31636 | AFLAC | $11 | $0 | $11 | 0.01% |
| JOHN BECK3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $11 | $0 | $11 | 0.01% |
| BUCK MAYO JR3 | 209 DAPHNE DR ENTERPRISE, AL 36330 | AFLAC | $10 | $0 | $10 | 0.01% |
| TED E CLINE3 | 3209 SILVER LAKE DR PHENIX CITY, AL 36867 | AFLAC | $10 | $0 | $10 | 0.01% |
| TERESA LUMMUS3 Filed as: TERESA A LUMMUS | 145 OCONEE WOODS TRL SHARPSBURG, GA 30277 | AFLAC | $9 | $0 | $9 | 0.01% |
| ZACHARY PARKER3 | 4676 SAN SABA DR HAHIRA, GA 31632 | AFLAC | $8 | $0 | $8 | 0.01% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $7 | $0 | $7 | 0.00% |
| BARBARA R KOGUT3 | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $6 | $0 | $6 | 0.00% |
| SJR INSURANCE LLC3 | 3732 UPLAND DR MARIETTA, GA 30066 | AFLAC | $6 | $0 | $6 | 0.00% |
| CHARLES H WEISSBERGER3 | 5128 CREEKMONTE DR ROCHESTER, MI 48306 | AFLAC | $6 | $0 | $6 | 0.00% |
| PAGE G LEWIS3 | 2549 MILLENNIUM CIR MELBOURNE, FL 32940 | AFLAC | $6 | $0 | $6 | 0.00% |
| DELDRIAN KIER SMUTHERMAN3 | 242 CHADMORE LN TYRONE, GA 30290 | AFLAC | $6 | $0 | $6 | 0.00% |
| ROBERT R LUCKY3 | 856 HAMILTON CT EVANS, GA 30809 | AFLAC | $4 | $0 | $4 | 0.00% |
| MARSHALL DARRAH3 | PO BOX 353 NEWTON, GA 39870 | AFLAC | $3 | $0 | $3 | 0.00% |
| ALAN C SMITH3 | 401 AVRETT WAY EVANS, GA 30809 | AFLAC | $2 | $0 | $2 | 0.00% |
| C R RAMSEY POTTS3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $2 | $0 | $2 | 0.00% |
| WILLIAM M WARDLAW JR3 | 195 GARFIELD ST SANTA ROSA BEACH, FL 32459 | AFLAC | $1 | $0 | $1 | 0.00% |
| DANIEL FITZGERALD INC3 | 3672 BAY PT AUGUSTA, GA 30907 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRIAN E HICKS3 | 1327 JEWELL AVE FRANKLIN, TN 37064 | AFLAC | $1 | $0 | $1 | 0.00% |
| KATHERINE LATIMER3 | 5093 BOONE LINKS LN COLUMBUS, GA 31909 | AFLAC | $1 | $0 | $1 | 0.00% |
| LANCE OSBORNE3 | 21822 SEACREST LN HUNTINGTON BCH, CA 92646 | AFLAC | $1 | $0 | $1 | 0.00% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $0 | $0 | $0 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $1K | $14K | 16.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $1K | $162 | $1K | 2.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $248 | $2K | 16.72% |
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 | 579 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 928 | $5.0M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 928 | $5.0M |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 874 | $57K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 579 | $14K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 371 | $82K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 579 | $353K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 928 | — |
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."
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.