| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH INSURANCE | PO BOX 1058 GAINESVILLE, GA 30503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | $0 | $17K | 9.87% |
| TURNER WOOD & SMITH3 | PO BOX 1058 GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 13.78% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| TURNER WOOD & SMITH3 | PO BOX 1788 GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| NETPRO FINANCIAL SOLUTIONS LLC3 | 958 MCEVER ROAD SUITE B3 GAINESVILLE, GA 30504 | AFLAC | $2K | $0 | $2K | 7.03% |
| JENNIFER S CAGLE3 | 958 MCEVER ROAD SUITE B3 GAINESVILLE, GA 30504 | AFLAC | $916 | $0 | $916 | 3.05% |
| V C SMITH LLC3 | 1352 HARVARD RD NE ATLANTA, GA 30306 | AFLAC | $131 | $0 | $131 | 0.44% |
| MRS JACKSON BOYUM3 | 2040 SKYLAR LEIGH DRIVE BUFORD, GA 30518 | AFLAC | $68 | $0 | $68 | 0.23% |
| RONALD E KIRKLAND3 | 1044 HARBOR BRIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $38 | $0 | $38 | 0.13% |
| GEORGE LEE WASHINGTON3 | 2518 DULUTH HIGHWAY 120 SUITE 202 DULUTH, GA 30097 | AFLAC | $38 | $0 | $38 | 0.13% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | AFLAC | $36 | $0 | $36 | 0.12% |
| PEARLEAN WASHINGTON3 | 2518 DULUTH HIGHWAY 120 SUITE 202 DULUTH, GA 30097 | AFLAC | $23 | $0 | $23 | 0.08% |
| BRENDA J MCGINNIS3 | 1279 APOLLO ROAD ARAB, AL 35016 | AFLAC | $10 | $0 | $10 | 0.03% |
| LAVADA LYNN SCARLETT3 | 3619 SHADY OAK TRAIL GAINESVILLE, GA 30506 | AFLAC | $9 | $0 | $9 | 0.03% |
| DAVID G CHAVIERS3 | 949 SKYHAVEN DRIVE BOAZ, AL 35956 | AFLAC | $8 | $0 | $8 | 0.03% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DRIVE MONROE, GA 30655 | AFLAC | $4 | $0 | $4 | 0.01% |
| LEE RYAN MCGRAW3 | 726 MEADOWBROOK ROAD CARROLLTON, GA 30117 | AFLAC | $4 | $0 | $4 | 0.01% |
| DUSTIN ROBERT JOHNSON3 | 745 W BROMPTON AVE APT 1 CHICAGO, IL 60657 | AFLAC | $3 | $0 | $3 | 0.01% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD ROAD SUITE 259 MEMPHIS, TN 38119 | AFLAC | $3 | $0 | $3 | 0.01% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIRCLE DACULA, GA 30019 | AFLAC | $1 | $0 | $1 | 0.00% |
| TARRAH SMITHSON3 | 2145 SAULS PL ALPHARETTA, GA 30004 | AFLAC | $1 | $0 | $1 | 0.00% |
| TURNER WOOD & SMITH3 | PO BOX 1058 GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.00% |
| NETPRO FINANCIAL SOLUTIONS LLC3 | 958 MCEVER ROAD SUITE B3 GAINESVILLE, GA 30504 | AFLAC | $830 | $0 | $830 | 5.36% |
| JENNIFER S CAGLE3 | 958 MCEVER ROAD SUITE B3 GAINESVILLE, GA 30504 | AFLAC | $312 | $0 | $312 | 2.01% |
| MRS JACKSON BOYUM3 Filed as: MRS. JACKSON BOYUM | 2040 SKYLAR LEIGH DRIVE BUFORD, GA 30518 | AFLAC | $126 | $0 | $126 | 0.81% |
| CAROLYN SEGARS3 Filed as: CAROLYN D SEGARS | 2734 BAYVIEW ROAD JACKSONVILLE, FL 32210 | AFLAC | $123 | $0 | $123 | 0.79% |
| KIRKLYN SMITH WILSON3 | PO BOX 705 CLERMONT, GA 30527 | AFLAC | $63 | $0 | $63 | 0.41% |
| SUSAN REDDOCH BUFFINGTON3 | PO BOX 344 MANCHESTER, GA 31816 | AFLAC | $14 | $0 | $14 | 0.09% |
| ANA MARIE GARCIA SMITH3 | 4504 FAWNIE LANE KNOXVILLE, TN 37918 | AFLAC | $11 | $0 | $11 | 0.07% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | AFLAC | $5 | $0 | $5 | 0.03% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $3 | $0 | $3 | 0.02% |
| LEE RYAN MCGRAW3 | 726 MEADOWBROOK ROAD CARROLLTON, GA 30117 | AFLAC | $1 | $0 | $1 | 0.01% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD ROAD SUITE 259 MEMPHIS, TN 38119 | AFLAC | $1 | $0 | $1 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DRIVE MONROE, GA 30655 | AFLAC | $1 | $0 | $1 | 0.01% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIRCLE DACULA, GA 30019 | AFLAC | $1 | $0 | $1 | 0.01% |
| DUSTIN ROBERT JOHNSON3 | 745 W BROMPTON AVE APT 1 CHICAGO, IL 60657 | AFLAC | $1 | $0 | $1 | 0.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $727 | $727 | 5.00% |
| TURNER WOOD & SMITH3 | PO BOX 1058 GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $212 | $0 | $212 | 1.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHGRAM, INC EIN 56-1449504 TPA | Claims processing Service code 12 | — | $137K |
| TURNER, WOOD & SMITH EIN 20-1489174 AGENT | Insurance agents and brokers Service code 22 | — | $109K |
| HEALTH PARTNERS NETWORK LLC EIN 58-2131807 N/A | Claims processing Service code 12 | — | $7K |
| CAREOPERATIVE, LLC EIN 20-8981027 N/A | Claims processing Service code 12 | — | $5K |
| FIRST HEALTH EIN 20-1736473 N/A | Claims processing Service code 12 | — | $1K |
| MULTIPLAN, INC EIN 13-3068979 N/A | Claims processing Service code 12 | — | $522 |
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 | 332 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 264 | $169K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 264 | $169K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 332 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $66K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 214 | $27K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 259 | $614K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 332 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.