| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 | 100 BRENAU AVENUE GAINESVILLE, GA 30501 | HUMANA | $73K | $0 | $73K | 4.50% |
| TURNER WOOD & SMITH3 | 100 BRENAU AVE GAINESVILLE, GA 30501 | UNUM LIFE INSURANCE COMPANY | $3K | $240 | $4K | 11.53% |
| JENNIFER S CAGLE3 Filed as: JENNIFER CAGLE | PO BOX 506 CLERMONT, GA 30527 | AFLAC | $3K | $59 | $3K | 9.91% |
| NETPRO FINANCIAL SOLUTIONS LLC3 Filed as: NETPRO FINANCIAL SOLUTIONS | PO BOX 506 CLERMONT, GA 30527 | AFLAC | $1K | $0 | $1K | 5.27% |
| WILLIAM WARDLAW JR3 | 5300 OAKBROOK PKWY SUITE 300 NORCROSS, GA 30093 | AFLAC | $260 | $12 | $272 | 0.99% |
| BRENDA J MCGINNIS3 Filed as: BRENDA MCGINNIS | 5003 PATRIOT PARK CIRCLE OWENS CROSS ROADS, AL 35763 | AFLAC | $222 | $24 | $246 | 0.89% |
| VC SMITH LLC3 | 5300 OAKBROOK PKWY BLDG 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $205 | $4 | $209 | 0.76% |
| KIRKLYN SMITH WILSON3 | PO BOX 705 CLERMONT, GA 30527 | AFLAC | $130 | $0 | $130 | 0.47% |
| MRS JACKSON BOYUM3 Filed as: MRS BOYUM | 2040 SKYLAR LEIGH DR BUFORD, GA 30518 | AFLAC | $109 | $0 | $109 | 0.39% |
| DAVID G CHAVIERS3 Filed as: DAVID CHAVIERS | 949 SKYHAVEN DRIVE BOAZ, AL 35956 | AFLAC | $98 | $5 | $103 | 0.37% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $95 | $5 | $100 | 0.36% |
| CAROLYN SEGARS3 | 2734 BAYVIEW RD JACKSONVILLE, FL 32210 | AFLAC | $83 | $0 | $83 | 0.30% |
| LAVADA LYNN SCARLETT3 Filed as: LAVADA SCARLETT | 3619 SHADY OAK TRL GAINESVILLE, GA 30506 | AFLAC | $74 | $6 | $80 | 0.29% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PKWY BLDG 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $65 | $0 | $65 | 0.24% |
| KIMBERLY ANN GARRISON3 Filed as: KIMBERLY GARRISON | 4437 CLUBSIDE DRIVE GAINESVILLE, GA 30504 | AFLAC | $18 | $0 | $18 | 0.07% |
| LARRY W FLOWERS3 Filed as: LARRY FLOWERS | 2318 PROVINCIAL POINT DRIVE GAINESVILLE, GA 30501 | AFLAC | $12 | $0 | $12 | 0.04% |
| JENNIFER HACKER3 | 4603 QUAIL POINT DRIVE FLOWERY BRANCH, GA 30542 | AFLAC | $8 | $0 | $8 | 0.03% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DRIVE LAWRENCEVILLE, GA 30043 | AFLAC | $8 | $0 | $8 | 0.03% |
| LEE RYAN MCGRAW3 Filed as: LEE MCGRAW | 1170 MANN ROAD DOUGLASVILLE, GA 30134 | AFLAC | $6 | $0 | $6 | 0.02% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN JOHNSON | 50 HURT PLZ SE SUITE 1630 ATLANTA, GA 30303 | AFLAC | $6 | $0 | $6 | 0.02% |
| JAMES D DUDLEY3 Filed as: JAMES DUDLEY | 1355 LYNNFIELD ST SUITE 259 MEMPHIS, TN 38119 | AFLAC | $5 | $0 | $5 | 0.02% |
| ELENI A NIKOLAS3 Filed as: ELENI NIKOLAS | 50 HURT PLZ SE SUITE 1630 THE HURT BUILDING ATLANTA, GA 30303 | AFLAC | $5 | $0 | $5 | 0.02% |
| WENDY M RANKIN3 Filed as: WENDY RANKIN | 114 BROAD STREET APT 201 ROME, GA 30161 | AFLAC | $4 | $0 | $4 | 0.01% |
| RAYMOND L MELVIN3 Filed as: RAYMOND MELVIN | 1553 NAVIGATOR CIRCLE DACULA, GA 30019 | AFLAC | $3 | $0 | $3 | 0.01% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $2 | $0 | $2 | 0.01% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS GIDDENS | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $1 | $0 | $1 | 0.00% |
| SCOTTI MADISON3 | 3330 COBB PKWY SUITE 324-3 ACWORTH, GA 30101 | AFLAC | $1 | $0 | $1 | 0.00% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUNTINGTON BEACH, CA 92646 | AFLAC | $1 | $0 | $1 | 0.00% |
| KATHERINE LATIMER3 | 90 CECILY CT FORTSON, GA 31808 | AFLAC | $1 | $0 | $1 | 0.00% |
| TARRAH SMITHSON3 | 449 TIMBER PLAZA MILTON, GA 30004 | AFLAC | $1 | $0 | $1 | 0.00% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DR MONTGOMERY, AL 36117 | AFLAC | $1 | $0 | $1 | 0.00% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD TIDWELL | 5511 KINGSLEY MANOR CUMMING, GA 30041 | AFLAC | $1 | $0 | $1 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $1 | $0 | $1 | 0.00% |
| ROBERT GOBLE3 | 1410 4TH STREET DRIVE NW UNIT 208 HICKORY, NC 28601 | AFLAC | $1 | $0 | $1 | 0.00% |
| RYAN E MCPHAIL3 Filed as: RYAN MCPHAIL | 206 ARBOR COURT CANTON, GA 30114 | AFLAC | $1 | $0 | $1 | 0.00% |
| TURNER WOOD & SMITH3 | 100 BRENAU AVE GAINESVILLE, GA 30501 | BLUE CROSS BLUE SHIELD OF GEORGIA | $2K | $0 | $2K | 10.10% |
| JENNIFER S CAGLE3 Filed as: JENNIFER CAGLE | P.O. BOX 506 CLERMONT, GA 30527 | AFLAC | $619 | $0 | $619 | 4.95% |
| NETPRO FINANCIAL SOLUTIONS LLC3 Filed as: NETPRO FINANCIAL SOLUTIONS | P.O. BOX 506 CLERMONT, GA 30527 | AFLAC | $293 | $0 | $293 | 2.34% |
| MRS JACKSON BOYUM3 | 2040 SKYLAR LEIGH DR BUFORD, GA 30518 | AFLAC | $182 | $0 | $182 | 1.46% |
| CAROLYN SEGARS3 | 2734 BAYVIEW RD JACKSONVILLE, FL 32210 | AFLAC | $123 | $0 | $123 | 0.98% |
| KIRKLYN SMITH WILSON3 | P.O. BOX 705 CLERMONT, GA 30527 | AFLAC | $64 | $0 | $64 | 0.51% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRKLAND | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $17 | $0 | $17 | 0.14% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY BLDG 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $16 | $0 | $16 | 0.13% |
| SUSAN REDDOCH BUFFINGTON3 | 400 TAX RD SHILOH, GA 31826 | AFLAC | $16 | $0 | $16 | 0.13% |
| VANCE C SMITH III3 | 5300 OAKBROOK PKWY BLDG 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $15 | $0 | $15 | 0.12% |
| ANA MARIE GARCIA SMITH3 | 110 BANDERVIEW ROAD SEYMOUR, TN 31826 | AFLAC | $14 | $0 | $14 | 0.11% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW | 5300 OAKBROOK PKWY SUITE 300 NORCROSS, GA 30093 | AFLAC | $13 | $0 | $13 | 0.10% |
| 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 | 0.02% |
| ESMERALDA M LUCAS3 Filed as: ESMERALDA LUCAS | 2135 GLENFIELD TRACE CUMMING, GA 30041 | 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% |
| 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% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA | 135 | $1.6M |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA | 107 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 94 | $32K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY | 94 | $32K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 94 | $32K |
| Prescription drug | HUMANA | 135 | $1.6M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 94 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.