| 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. | $110K | $3K | $113K | 2.26% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $12K | $37K | 14.69% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $5K | $32K | 17.88% |
| SUE TUCKER3 Filed as: SUE C TUCKER | 9856 US HIGHWAY 29 N CUSSETA, AL 36852 | AFLAC | $4K | $119 | $4K | 3.03% |
| RICHARD CARTER SR3 Filed as: RICHARD K CARTER SR | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $2K | $42 | $2K | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744831 ATLANTA, GA 30374 | AFLAC | $2K | $0 | $2K | 1.30% |
| MARSHAL DARRAH INC3 | 109 FRIAR TUCK LN THOMASVILLE, GA 31792 | AFLAC | $1K | $0 | $1K | 0.84% |
| KIMBERLY M FUTCH3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $1K | $28 | $1K | 0.81% |
| HAROLD M DARRAH3 | 109 FRIAR TUCK LN THOMASVILLE, GA 31792 | AFLAC | $774 | $0 | $774 | 0.61% |
| BRETT KLUTZ3 Filed as: BRETT H KLUTZ | 67 LEE ROAD 874 OPELIKA, AL 36804 | AFLAC | $291 | $0 | $291 | 0.23% |
| JOHN HENRY PHILLIPS JR3 Filed as: JOHN HENRY PHILLIPS | 3801 OLD DAWSON RD ALBANY, GA 31721 | AFLAC | $277 | $0 | $277 | 0.22% |
| CHELSEY SEAWELL ARMSTRONG3 | 3100 SEVILLE TER DOTHAN, AL 36303 | AFLAC | $257 | $0 | $257 | 0.20% |
| JASON M MCCONNELL3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $208 | $0 | $208 | 0.16% |
| TAMARA DIANNE NEWSOME3 | 238 VISTA CIR MACON, GA 31204 | AFLAC | $184 | $0 | $184 | 0.14% |
| MELISSA K ETHERIDGE3 | 126 HEATHER LN LEESBURG, GA 31763 | AFLAC | $114 | $63 | $177 | 0.14% |
| AMY RILES3 Filed as: AMY P RILES | 2109 CHATHAM DR ALBANY, GA 31721 | AFLAC | $156 | $0 | $156 | 0.12% |
| AMY RILES3 Filed as: AMY T BROADAWAY | 707 WILDWOOD DR ALBANY, GA 31721 | AFLAC | $149 | $0 | $149 | 0.12% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 2084 COVERED BRIDGE PKWY WINDSOR, CO 80550 | AFLAC | $141 | $0 | $141 | 0.11% |
| WILLIAM L AMOS & CO INC3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $141 | $0 | $141 | 0.11% |
| LORI A LAPORTE3 | PO BOX 793 AUBURN, AL 36831 | AFLAC | $109 | $0 | $109 | 0.09% |
| KAREN D LUTHMAN3 | 3104 EDINBURGH DR AUGUSTA, GA 30909 | AFLAC | $97 | $0 | $97 | 0.08% |
| THOMAS ALONZO RICHARDS3 | 1208 FIVE MILE RD EUFAULA, AL 36027 | AFLAC | $92 | $0 | $92 | 0.07% |
| AMY RILES3 Filed as: AMY P RILES | 1720 WHISPERWOOD ST ALBANY, GA 31721 | AFLAC | $88 | $0 | $88 | 0.07% |
| BRITTANY REYNOLDS3 Filed as: BRITTANY D REYNOLDS | 6724 GREEN ISLAND DR COLUMBUS, GA 31904 | AFLAC | $84 | $0 | $84 | 0.07% |
| CLEM JOHN NORMAN3 | 104 RIVERVIEW LN LEESBURG, GA 31763 | AFLAC | $53 | $15 | $68 | 0.05% |
| FRANCES SANDRA BOND3 | 480 HOLLY SPRINGS CHURCH RD INMAN, SC 29349 | AFLAC | $60 | $0 | $60 | 0.05% |
| KEVIN ELEDGE3 | 9305 STAGE COACH RD BACONTON, GA 31716 | AFLAC | $57 | $0 | $57 | 0.04% |
| TED W ANDERSON3 | 2730 DOVER LN ALBANY, GA 31721 | AFLAC | $48 | $0 | $48 | 0.04% |
| KAREN D PARKER3 | 128 FLOYD MCNEAL DR HAHIRA, GA 31632 | AFLAC | $47 | $0 | $47 | 0.04% |
| SHAWN K TAYLOR3 | 59 LEE ROAD 2123 PHENIX CITY, AL 36867 | AFLAC | $46 | $0 | $46 | 0.04% |
| BRYCE ALLEN DIAL3 | 8091 TURTLE CREEK DR COLUMBUS, GA 31909 | AFLAC | $45 | $0 | $45 | 0.04% |
| JIMMY MESSICK JR3 Filed as: JIMMY C MESSICK JR | 2611 BLALOCK CIR PHENIX CITY, AL 36867 | AFLAC | $44 | $0 | $44 | 0.03% |
| NATHAN A HODGE3 | 24 PINEWOOD LN JACKSONS GAP, AL 36861 | AFLAC | $44 | $0 | $44 | 0.03% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $44 | $0 | $44 | 0.03% |
| ETHERIDGE BENEFITS INC3 | 126 HEATHER LN LEESBURG, GA 31763 | AFLAC | $44 | $0 | $44 | 0.03% |
| JON M LOUDEN3 | 22739 E PRENTICE PL AURORA, CO 80015 | AFLAC | $43 | $0 | $43 | 0.03% |
| JRP AGENCY LLC3 | 4712 RADAR SITE RD VALDOSTA, GA 31605 | AFLAC | $42 | $0 | $42 | 0.03% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $41 | $0 | $41 | 0.03% |
| ROBERT P FERRONE3 Filed as: ROBERT C MOBLEY | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $40 | $0 | $40 | 0.03% |
| MIMS BENEFIT GROUP3 | 8115 WINDFALL WAY COLORADO SPRINGS, CO 80908 | AFLAC | $39 | $0 | $39 | 0.03% |
| PW BENEFITS LLC3 | 3038 LEAFMORE DR COLUMBUS, GA 31909 | AFLAC | $35 | $0 | $35 | 0.03% |
| PODNAS INC / BECK & ASSOC3 Filed as: PODNAS INC/ BECK & ASSOC | 3411 CONFETTI BLUSH DR COLUMBUS, GA 31909 | AFLAC | $35 | $0 | $35 | 0.03% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $33 | $0 | $33 | 0.03% |
| TRACIE MINIX3 Filed as: TRACIE F MINIX | 500 LEE ROAD 263 CUSSETA, AL 36852 | AFLAC | $32 | $0 | $32 | 0.03% |
| DOUGLAS H CRAWFORD JR3 | 5188 KENDAL CT COLUMBUS, GA 31907 | AFLAC | $32 | $0 | $32 | 0.03% |
| LACEY GRAY HEWES3 | 518 ROSEMONT DR DOTHAN, AL 36303 | AFLAC | $29 | $0 | $29 | 0.02% |
| DANNY T SCROGGINS3 | 3 SHADOWRIDGE DR PHENIX CITY, AL 36869 | AFLAC | $28 | $0 | $28 | 0.02% |
| KATINA JOY FAUST3 | 1145 AMERICUS HWY DAWSON, GA 39842 | AFLAC | $28 | $0 | $28 | 0.02% |
| MISTY MARIE MARTIN3 | 253 LEE ROAD 2105 PHENIX CITY, AA 36870 | AFLAC | $23 | $0 | $23 | 0.02% |
| LEE RYAN MCGRAW3 | 726 MEADOWBROOK RD CARROLLTON, GA 30117 | AFLAC | $23 | $0 | $23 | 0.02% |
| DONALD BECK JR3 Filed as: DONALD W BECK JR | 3411 CONFETTI BLUSH DR COLUMBUS, GA 31909 | AFLAC | $22 | $0 | $22 | 0.02% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $20 | $0 | $20 | 0.02% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $20 | $0 | $20 | 0.02% |
| HAROLD MARSHALL DARRAH3 | 109 FRIAR TUCK LN THOMASVILLE, GA 31792 | AFLAC | $20 | $0 | $20 | 0.02% |
| LAURA K SLAY3 | 1203 S 6TH ST LANETT, AL 36863 | AFLAC | $19 | $0 | $19 | 0.01% |
| SHEILA M MIMS3 | 118 NORTHAMPTON RD LEESBURG, GA 31763 | AFLAC | $19 | $0 | $19 | 0.01% |
| HAROLD MARSHALL DARRAH3 | 565 MILLERS RD N HAMILTON, GA 31811 | AFLAC | $19 | $0 | $19 | 0.01% |
| TIMOTHY R GOLDEN3 | 110 BEACON HL VALDOSTA, GA 31602 | AFLAC | $18 | $0 | $18 | 0.01% |
| LARA CARLSON3 Filed as: LARA K CARLSON | 106 LAUREL VIEW DR ST SIMONS ISLAND, GA 31522 | AFLAC | $17 | $0 | $17 | 0.01% |
| PARKERZ INSURANCE LLC3 | 4676 SAN SABA DR HAHIRA, GA 31632 | AFLAC | $17 | $0 | $17 | 0.01% |
| WILLIAM L AMOS III3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $16 | $0 | $16 | 0.01% |
| EDWARD B SHAW3 | PO BOX 724728 POINTENORTH INSURANCE GROUP LLC ATLANTA, GA 31139 | AFLAC | $15 | $0 | $15 | 0.01% |
| JAMES R PARKER3 | 4712 RADAR SITE RD VALDOSTA, GA 31605 | AFLAC | $15 | $0 | $15 | 0.01% |
| DORIS L BRACKETT3 | 3233 HIGHGATE CHASE CT BERKELEY LAKE, GA 30092 | AFLAC | $14 | $0 | $14 | 0.01% |
| BILLY W MANN3 | 1157 SMYRNA RD GOODWATER, AL 35072 | AFLAC | $13 | $0 | $13 | 0.01% |
| ROBERT F TOWNS3 | 1261 TANGLEBROOK DR ATHENS, GA 30606 | AFLAC | $13 | $0 | $13 | 0.01% |
| TRACIE D BLANKENSHIP3 | 3095 HARTRIDGE DR ALPHARETTA, GA 30022 | AFLAC | $11 | $0 | $11 | 0.01% |
| WALTER KOGUT3 | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $11 | $0 | $11 | 0.01% |
| DELDRIAN KIER SMUTHERMAN3 | 242 CHADMORE LN TYRONE, GA 30290 | AFLAC | $11 | $0 | $11 | 0.01% |
| SELINA STURGIS3 | 4095 DASHER RD LAKE PARK, GA 31636 | AFLAC | $10 | $0 | $10 | 0.01% |
| JOHN BECK3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $10 | $0 | $10 | 0.01% |
| PATRICIA STALLARD3 | 5812 VILLAGE DR SW WYOMING, MI 49519 | AFLAC | $10 | $0 | $10 | 0.01% |
| TED E CLINE3 | 3209 SILVER LAKE DR PHENIX CITY, AL 36867 | AFLAC | $9 | $0 | $9 | 0.01% |
| JAMYE L HART3 | 187 WILLOW LAKE DR LEESBURG, GA 31763 | AFLAC | $9 | $0 | $9 | 0.01% |
| PRITCHARD & JERDEN INC3 | 950 E PACES FERRY RD NE STE 2000 ATLANTA, GA 30326 | AFLAC | $8 | $0 | $8 | 0.01% |
| TERESA LUMMUS3 Filed as: TERESA A LUMMUS | 145 OCONEE WOODS TRL SHARPSBURG, GA 30277 | AFLAC | $8 | $0 | $8 | 0.01% |
| SHARON K COUNCIL3 | 400 POINCIANA AVE ALBANY, GA 31705 | AFLAC | $8 | $0 | $8 | 0.01% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $6 | $0 | $6 | 0.00% |
| BARBARA R KOGUT3 | 2631 COLUMBIA ST HOUSTON, TX 77008 | AFLAC | $6 | $0 | $6 | 0.00% |
| PAGE G LEWIS3 | 2549 MILLENNIUM CIR MELBOURNE, FL 32940 | AFLAC | $6 | $0 | $6 | 0.00% |
| SJR INSURANCE LLC3 | 3732 UPLAND DR MARIETTA, GA 30066 | AFLAC | $5 | $0 | $5 | 0.00% |
| MARSHALL DARRAH3 | 109 FRIAR TUCK LN THOMASVILLE, GA 31792 | AFLAC | $2 | $0 | $2 | 0.00% |
| C R RAMSEY POTTS3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $2 | $0 | $2 | 0.00% |
| JOHN TODD LEE3 | 322 FARMHOUSE RD ELLERSLIE, GA 31807 | AFLAC | $1 | $0 | $1 | 0.00% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $1 | $0 | $1 | 0.00% |
| BRIAN E HICKS3 | 5073 DONOVAN ST FRANKLIN, TN 37064 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $2K | $15K | 17.87% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | $1K | $32 | $1K | 2.09% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $396 | $2K | 17.99% |
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 | 570 | 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) | 570 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 652 | $5.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 423 | $255K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 809 | $55K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 570 | $13K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 396 | $82K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 570 | $318K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 809 | — |
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.