| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH INSURANCE | 1515 COMMUNITY WAY GAINESVILLE, GA 30501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51K | $15K | $66K | 16.48% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 5.00% |
| NETPRO FINANCIAL SOLUTIONS LLC3 | 958 MCEVER ROAD SUITE B3 GAINESVILLE, GA 30504 | AFLAC | $3K | $0 | $3K | 10.30% |
| JENNIFER S CAGLE3 | 958 MCEVER ROAD SUITE B3 GAINESVILLE, GA 30504 | AFLAC | $908 | $0 | $908 | 3.30% |
| V C SMITH LLC3 | 1352 HARVARD RD NE ATLANTA, GA 30306 | AFLAC | $131 | $0 | $131 | 0.48% |
| MRS JACKSON BOYUM3 | 2040 SKYLAR LEIGH DRIVE BUFORD, GA 30518 | AFLAC | $68 | $0 | $68 | 0.25% |
| RONALD E KIRKLAND3 | 1044 HARBOR BRIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $38 | $0 | $38 | 0.14% |
| GEORGE LEE WASHINGTON3 | 1755 N BROWN ROAD SUITE 262 LAWRENCEVILLE, GA 30043 | AFLAC | $37 | $0 | $37 | 0.13% |
| SCOTT A SMITH3 | 6340 SUGARLOAF PKWY SUITE 200 DULUTH, GA 30097 | AFLAC | $36 | $0 | $36 | 0.13% |
| PEARLEAN WASHINGTON3 | 1755 N BROWN ROAD SUITE 262 LAWRENCEVILLE, GA 30043 | AFLAC | $23 | $0 | $23 | 0.08% |
| BRENDA J MCGINNIS3 | 1279 APOLLO ROAD ARAB, AL 35016 | AFLAC | $10 | $0 | $10 | 0.04% |
| DAVID G CHAVIERS3 | 949 SKYHAVEN DRIVE BOAZ, AL 35956 | AFLAC | $8 | $0 | $8 | 0.03% |
| LAVANDA LYNN SCARLETT3 | 3619 SHADY OAK TRAIL GAINESVILLE, GA 30506 | AFLAC | $7 | $0 | $7 | 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% |
| AUSTIN J RICE3 | 205 PERSIMMON TRL WOODSTOCK, GA 30188 | AFLAC | $0 | $4 | $4 | 0.01% |
| KATIE D ALEXANDER3 | PO BOX 71071 NEWNAN, GA 30271 | AFLAC | $0 | $4 | $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% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM LACOUNT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 50.83% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG WILSON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 40.36% |
| JESSICA CHRISTINE LEARD3 Filed as: JESSICA DILLARD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 24.94% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER SHIVERS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 22.23% |
| RANDY L BENNETT3 Filed as: RANDY REEVES | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.10% |
| TIM OLSON INC3 Filed as: TIM ADERHOLT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $712 | $0 | $712 | 4.15% |
| KEVIN MURPHY3 Filed as: KEVIN REEVES | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $709 | $0 | $709 | 4.13% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN TOOMBS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $658 | $0 | $658 | 3.83% |
| OMAR MENDOZA3 Filed as: OMAR BETANCUR | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $443 | $0 | $443 | 2.58% |
| COREY HULSEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $190 | $0 | $190 | 1.11% |
| KAYNA CLEMONS3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $148 | $0 | $148 | 0.86% |
| DARREN D RIDDLE3 Filed as: DARREN ALEXANDER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $98 | $0 | $98 | 0.57% |
| CORRIE PERSING3 Filed as: CORRIE HILL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $81 | $0 | $81 | 0.47% |
| MELISSA ARMATIS3 Filed as: MELISSA STEGING | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $45 | $0 | $45 | 0.26% |
| ERIN WIGGINS3 Filed as: ERIN GIBSON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.05% |
| STEVEN GAITHER3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.03% |
| JASON EVERETT3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
| MARY-JOYCE LICATA3 Filed as: MARY GUTIERREZ | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| KARYN MITRANO ENTERPRISES INC3 Filed as: KARYN MAYNARD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| NETPRO FINANCIAL SOLUTIONS LLC3 | 958 MCEVER ROAD SUITE B3 GAINESVILLE, GA 30504 | AFLAC | $1K | $0 | $1K | 6.71% |
| JENNIFER S CAGLE3 | 958 MCEVER ROAD SUITE B3 GAINESVILLE, GA 30504 | AFLAC | $309 | $0 | $309 | 2.01% |
| MRS JACKSON BOYUM3 Filed as: MRS. JACKSON BOYUM | 2040 SKYLAR LEIGH DRIVE BUFORD, GA 30518 | AFLAC | $125 | $0 | $125 | 0.81% |
| CAROLYN SEGARS3 Filed as: CAROLYN D SEGARS | 2734 BAYVIEW ROAD JACKSONVILLE, FL 32210 | AFLAC | $123 | $0 | $123 | 0.80% |
| 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 | 6340 SUGARLOAF PKWY SUITE 200 DULUTH, GA 30097 | AFLAC | $5 | $0 | $5 | 0.03% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $2 | $0 | $2 | 0.01% |
| 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% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $1 | $0 | $1 | 0.01% |
| STEVEN VORDERLANDWEHR3 Filed as: STEVEN WORDERLANDWEHR | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $1 | $0 | $1 | 0.01% |
| 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 | — | $112K |
| 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 |
| CIGNA CORPORATION EIN 59-1031071 N/A | Claims processing Service code 12 | — | $4K |
| FIRST HEALTH EIN 20-1736473 N/A | Claims processing Service code 12 | — | $11 |
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 | 382 | 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) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 382 | $400K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 382 | $400K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 382 | $400K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 382 | $400K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 382 | $400K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 382 | $460K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.