| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 | 100 BRENAU AVENUE GAINESVILLE, GA 30501 | HUMANA | $66K | $0 | $66K | 4.50% |
| TURNER WOOD & SMITH3 | 100 BRENAU AVE GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY | $3K | $208 | $3K | 11.86% |
| TURNER WOOD & SMITH3 | 100 BRENAU AVE GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY | $3K | $153 | $3K | 15.75% |
| TURNER WOOD & SMITH3 | 100 BRENAU AVE GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.00% |
| TURNER WOOD & SMITH3 | 100 BRENAU AVE GAINESVILLE, GA 30501 | BLUE CROSS BLUE SHIELD OF GEORGIA | $2K | $0 | $2K | 9.93% |
| JENNIFER S CAGLE3 Filed as: JENNIFER CAGLE | P.O. BOX 506 CLERMONT, GA 30527 | AFLAC | $1K | $18 | $1K | 7.42% |
| MRS JACKSON BOYUM3 | 2040 SKYLAR LEIGH DR BUFORD, GA 30518 | AFLAC | $213 | $0 | $213 | 1.36% |
| NETPRO FINANCIAL SOLUTIONS LLC3 Filed as: NETPRO FINANCIAL SOLUTIONS | P.O. BOX 506 CLERMONT, GA 30527 | AFLAC | $121 | $0 | $121 | 0.77% |
| CAROLYN SEGARS3 | 2734 BAYVIEW RD JACKSONVILLE, FL 32210 | AFLAC | $115 | $0 | $115 | 0.73% |
| VANCE C SMITH III3 | 5300 OAKBROOK PKWY BLDG 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $72 | $4 | $76 | 0.49% |
| KIRKLYN SMITH WILSON3 | P.O. BOX 705 CLERMONT, GA 30527 | AFLAC | $62 | $0 | $62 | 0.40% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW | 5300 OAKBROOK PKWY SUITE 300 NORCROSS, GA 30093 | AFLAC | $47 | $0 | $47 | 0.30% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $30 | $0 | $30 | 0.19% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY BLDG 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $26 | $0 | $26 | 0.17% |
| SUSAN REDDOCH BUFFINGTON3 | 400 TAX RD SHILOH, GA 31826 | AFLAC | $13 | $0 | $13 | 0.08% |
| ANA MARIE GARCIA SMITH3 | 110 BANDERVIEW ROAD SEYMOUR, TN 31826 | AFLAC | $12 | $0 | $12 | 0.08% |
| JAMES D DUDLEY3 Filed as: JAMES DUDLEY | 1355 LYNNFIELD RD SUITE 259 MEMPHIS, TN 38119 | AFLAC | $3 | $0 | $3 | 0.02% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DR LAWRENCEVILLE, GA 30043 | AFLAC | $2 | $0 | $2 | 0.01% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 50 HURT PLAZA SE SUITE 995 THE HURT BUILDING ATLANTA, GA 30303 | AFLAC | $1 | $0 | $1 | 0.01% |
| LEE RYAN MCGRAW3 | 1170 MANN ROAD DOUGLASVILLE, GA 30134 | AFLAC | $1 | $0 | $1 | 0.01% |
| DUSTIN ROBERT JOHNSON3 | 50 HURT PLAZA SE SUITE 995 ATLANTA, GA 30303 | AFLAC | $1 | $0 | $1 | 0.01% |
| RAYMOND L MELVIN3 Filed as: RAYMOND MELVIN | 1553 NAVIGATOR CIRCLE DACULA, GA 30019 | AFLAC | $1 | $0 | $1 | 0.01% |
| ESMERALDA M LUCAS3 Filed as: ESMERALDA LUCAS | 6955 BUCKS RD CUMMING, GA 30040 | AFLAC | $1 | $0 | $1 | 0.01% |
| SCOTTI MADISON3 | 3330 COBB PKWY SUITE 324-3 ACWORTH, GA 30101 | AFLAC | $1 | $0 | $1 | 0.01% |
| TARRAH SMITHSON3 | 449 TIMBER PLAZA MILTON, GA 30004 | AFLAC | $1 | $0 | $1 | 0.01% |
| WENDY M RANKIN3 Filed as: WENDY RANKIN | 341 PEBBLE TRAIL ALPHARETTA, GA 30009 | AFLAC | $1 | $0 | $1 | 0.01% |
| TIMOTHY J REED3 Filed as: TIMOTHY ADERHOLT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $316 | $0 | $316 | 3.16% |
| JOHHNY CRAIG WILSON3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $236 | $0 | $236 | 2.36% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM LACOUNT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $214 | $0 | $214 | 2.14% |
| COREY HULSEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $155 | $0 | $155 | 1.55% |
| CORRIE PERSING3 Filed as: CORRIE GRACE HILL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $155 | $0 | $155 | 1.55% |
| RANDY L BENNETT3 Filed as: RANDY REEVES | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $70 | $0 | $70 | 0.70% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 127 | $1.5M |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA | 102 | $16K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY | 85 | $65K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY | 85 | $44K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY | 85 | $44K |
| Prescription drug | HUMANA | 127 | $1.5M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY | 85 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.