| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $34K | $38K | 4.38% |
| UNITED PRODUCER GROUP, LLC3 | 1439 STUART ENGALS BOULEVARD SUITE 300 MT. PLEASANT, SC 29464 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $19K | $19K | 2.13% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $369 | $4K | $4K | 0.45% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 9.55% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1954 AIRPORT ROAD, SUITE 151 ATLANTA, GA 30341 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 3.18% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF SEIBELS & WILLIAMS OF GA | 3400 OVERTON PARK DRIVE SE SUITE 300 ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 2.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3400 OVERTON PARK DRIVE SUITE 300 ATLANTA, GA 30339 | AFLAC | $334 | $0 | $334 | 2.67% |
| ANN BLAKE BOSWELL3 Filed as: ANN B BOSWELL | 5300 OAKBROOK PARKWAY NORCROSS, GA 30043 | AFLAC | $303 | $0 | $303 | 2.42% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE SUITE 800 ATLANTA, GA 30305 | AFLAC | $281 | $0 | $281 | 2.24% |
| TEDDY LEE EARLES3 Filed as: TEDDY L. EARLES | 394 TEAL COURT ROSWELL, GA 30076 | AFLAC | $114 | $0 | $114 | 0.91% |
| ALICIA CLIFTON3 Filed as: ALICIA CLIFTON AND OTHER AGENTS | 3915 HUNTING RIDGE DRIVE LILBURN, GA 30047 | AFLAC | $60 | $0 | $60 | 0.48% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M. WARDLAW JR | 187 SOUTH CULVER STREET LAWRENCEVILLE, GA 30046 | AFLAC | $56 | $0 | $56 | 0.45% |
| CHARLOTTE A. HEYWARD3 | 2412 OAK HILL OVERLOOK DULUTH, GA 30097 | AFLAC | $32 | $0 | $32 | 0.26% |
| LOCKTON COMPANIES, LLC3 | PO BOX 741738 ATLANTA, GA 30374 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | $705 | $0 | $705 | 8.36% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BOULEVARD SUITE 300 MT. PLEASANT, SC 29464 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | $353 | $0 | $353 | 4.19% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 3400 OVERTON PARK DRIVE SE ATLANTA, GA 30339 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | $138 | $0 | $138 | 1.64% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 113 | $875K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 113 | $875K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS CO. | 117 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $62K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $62K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $62K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 113 | $875K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 131 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.