| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 | 100 BRENAU AVENUE GAINESVILLE, GA 30501 | HUMANA | $45K | $590 | $46K | 4.56% |
| TURNER WOOD & SMITH3 | 100 BRENAU AVE GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY | $3K | $189 | $3K | 11.89% |
| JENNIFER S CAGLE3 Filed as: JENNIFER CAGLE | P.O. BOX 506 CLERMONT, GA 30527 | AFLAC | $2K | $37 | $2K | 7.98% |
| MRS JACKSON BOYUM3 | 2040 SKYLAR LEIGH DR BUFORD, GA 30518 | AFLAC | $538 | $0 | $538 | 2.72% |
| NETPRO FINANCIAL SOLUTIONS LLC3 Filed as: NETPRO FINANCIAL SOLUTIONS | P.O. BOX 506 CLERMONT, GA 30527 | AFLAC | $193 | $0 | $193 | 0.98% |
| CAROLYN SEGARS3 | 2734 BAYVIEW RD JACKSONVILLE, FL 32210 | AFLAC | $135 | $0 | $135 | 0.68% |
| VANCE C SMITH III3 | 5300 OAKBROOK PKWY BLDG 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $127 | $7 | $134 | 0.68% |
| KIRKLYN SMITH WILSON3 | P.O. BOX 705 CLERMONT, GA 30527 | AFLAC | $73 | $0 | $73 | 0.37% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW | 5300 OAKBROOK PKWY SUITE 300 NORCROSS, GA 30093 | AFLAC | $68 | $5 | $73 | 0.37% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $48 | $0 | $48 | 0.24% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY BLDG 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $36 | $0 | $36 | 0.18% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 50 HURT PLAZA SE SUITE 995 THE HURT BUILDING ATLANTA, GA 30303 | AFLAC | $5 | $2 | $7 | 0.04% |
| TURNER WOOD & SMITH3 | 100 BRENAU AVE GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY | $2K | $127 | $2K | 11.70% |
| TURNER WOOD & SMITH3 | 100 BRENAU AVE GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY | $2K | $111 | $2K | 15.79% |
| TURNER WOOD & SMITH3 | 100 BRENAU AVE GAINESVILLE, GA 30501 | BLUE CROSS BLUE SHIELD OF GEORGIA | $1K | $0 | $1K | 9.06% |
| COREY HULSEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $893 | $0 | $893 | 9.06% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM LACOUNT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $538 | $0 | $538 | 5.46% |
| TIMOTHY J REED3 Filed as: TIMOTHY ADERHOLT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $490 | $0 | $490 | 4.97% |
| JOHHNY CRAIG WILSON3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $381 | $0 | $381 | 3.87% |
| CORRIE PERSING3 Filed as: CORRIE GRACE HILL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $155 | $0 | $155 | 1.57% |
| RANDY L BENNETT3 Filed as: RANDY REEVES | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $70 | $0 | $70 | 0.71% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 125 | $999K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA | 88 | $14K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY | 76 | $56K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY | 76 | $42K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY | 76 | $42K |
| Prescription drug | HUMANA | 125 | $999K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 76 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.