| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | PO BOX 1058 GAINESVILLE, GA 30503 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $0 | $33K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NC 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | $7K | $18K | 8.05% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH INSURANCE | 1515 COMMUNITY WAY GAINESVILLE, GA 30501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $23K | $41K | 22.38% |
| 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 | $9K | $0 | $9K | 5.00% |
| CRAIG WAYNE SOTTILE3 Filed as: CRAIG WILSON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 11.47% |
| ALEXANDER BENEFITS CONSULTING3 Filed as: ALEXANDER SHIVER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.81% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM LACOUNT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.10% |
| RANDY L BENNETT3 Filed as: RANDY REEVES | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.06% |
| TIM OLSON INC3 Filed as: TIM ADERHOLT | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $674 | $0 | $674 | 1.28% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES ASTON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $544 | $0 | $544 | 1.03% |
| SOIBHAN THRASHER3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $433 | $0 | $433 | 0.82% |
| KEVIN MURPHY3 Filed as: KEVIN REEVES | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $376 | $0 | $376 | 0.71% |
| LIZETT CARRILLO3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $358 | $0 | $358 | 0.68% |
| JESSICA CHRISTINE LEARD3 Filed as: JESSICA DILLARD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $311 | $0 | $311 | 0.59% |
| PATRICE ELAINE MCCARDLE-HEINE3 Filed as: PATRICE BRIDGES | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $273 | $0 | $273 | 0.52% |
| COREY HULSEY3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $180 | $0 | $180 | 0.34% |
| KAYNA CLEMONS3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $156 | $0 | $156 | 0.30% |
| DARREN D RIDDLE3 Filed as: DARREN ALEXANDER | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $98 | $0 | $98 | 0.19% |
| CORRIE PERSING3 Filed as: CORRIE HILL | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $55 | $0 | $55 | 0.10% |
| MELISSA ARMATIS3 Filed as: MELISSA STEGING | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $45 | $0 | $45 | 0.09% |
| SARAH WEYMOUTH3 Filed as: SARAH BLUME | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $17 | $0 | $17 | 0.03% |
| ERIN WIGGINS3 Filed as: ERIN GIBSON | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.02% |
| STEVEN GAITHER3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| JASON EVERETT3 | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| MARY-JOYCE LICATA3 Filed as: MARY GUTIERREZ | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| KARYN MITRANO ENTERPRISES INC3 Filed as: KARYN MAYNARD | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN TOOMBS | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$5 | $0 | -$5 | -0.01% |
| OMAR MENDOZA3 Filed as: OMAR BETANCUR | — | LIBERTY NATIONAL LIFE INSURANCE COMPANY | -$22 | $0 | -$22 | -0.04% |
| NETPRO FINANCIAL SOLUTIONS LLC3 | 958 MCEVER ROAD SUITE B3 GAINESVILLE, GA 30504 | AFLAC | $2K | $0 | $2K | 8.16% |
| JENNIFER S CAGLE3 | 958 MCEVER ROAD SUITE B3 GAINESVILLE, GA 30504 | AFLAC | $948 | $0 | $948 | 3.70% |
| V C SMITH LLC3 | 1352 HARVARD RD NE ATLANTA, GA 30306 | AFLAC | $131 | $0 | $131 | 0.51% |
| MRS JACKSON BOYUM3 | 2040 SKYLAR LEIGH DRIVE BUFORD, GA 30518 | AFLAC | $88 | $0 | $88 | 0.34% |
| RONALD E KIRKLAND3 | 1044 HARBOR BRIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $39 | $0 | $39 | 0.15% |
| SCOTT A SMITH3 | 6340 SUGARLOAF PKWY SUITE 200 DULUTH, GA 30097 | AFLAC | $36 | $0 | $36 | 0.14% |
| CAROLYN SEGARS3 Filed as: CAROLYN D SEGARS | 2734 BAYVIEW ROAD JACKSONVILLE, FL 32210 | AFLAC | $22 | $0 | $22 | 0.09% |
| GEORGE LEE WASHINGTON3 | 1755 N BROWN ROAD SUITE 262 LAWRENCEVILLE, GA 30043 | AFLAC | $19 | $0 | $19 | 0.07% |
| PEARLEAN WASHINGTON3 | 1755 N BROWN ROAD SUITE 262 LAWRENCEVILLE, GA 30043 | AFLAC | $11 | $0 | $11 | 0.04% |
| BRENDA J MCGINNIS3 | 1279 APOLLO ROAD ARAB, AL 35016 | AFLAC | $10 | $0 | $10 | 0.04% |
| KIRKLYN SMITH WILSON3 | PO BOX 705 CLERMONT, GA 30527 | AFLAC | $9 | $0 | $9 | 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 | $4 | $0 | $4 | 0.02% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DRIVE MONROE, GA 30655 | AFLAC | $4 | $0 | $4 | 0.02% |
| LEE RYAN MCGRAW3 | 726 MEADOWBROOK ROAD CARROLLTON, GA 30117 | AFLAC | $4 | $0 | $4 | 0.02% |
| DUSTIN ROBERT JOHNSON3 | 58 MODA LANE ATLANTA, GA 30316 | AFLAC | $3 | $0 | $3 | 0.01% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD ROAD SUITE 259 MEMPHIS, TN 38119 | AFLAC | $3 | $0 | $3 | 0.01% |
| SUSAN REDDOCH BUFFINGTON3 | PO BOX 344 MANCHESTER, GA 31816 | AFLAC | $2 | $0 | $2 | 0.01% |
| ANA MARIE GARCIA SMITH3 | 4504 FAWNIE LANE KNOXVILLE, TN 37918 | AFLAC | $2 | $0 | $2 | 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% |
| NETPRO FINANCIAL SOLUTIONS LLC3 | 958 MCEVER ROAD SUITE B3 GAINESVILLE, GA 30504 | AFLAC | $762 | $0 | $762 | 5.93% |
| JENNIFER S CAGLE3 | 958 MCEVER ROAD SUITE B3 GAINESVILLE, GA 30504 | AFLAC | $250 | $0 | $250 | 1.95% |
| CAROLYN SEGARS3 Filed as: CAROLYN D SEGARS | 2734 BAYVIEW ROAD JACKSONVILLE, FL 32210 | AFLAC | $104 | $0 | $104 | 0.81% |
| MRS JACKSON BOYUM3 Filed as: MRS. JACKSON BOYUM | 2040 SKYLAR LEIGH DRIVE BUFORD, GA 30518 | AFLAC | $99 | $0 | $99 | 0.77% |
| KIRKLYN SMITH WILSON3 | PO BOX 705 CLERMONT, GA 30527 | AFLAC | $54 | $0 | $54 | 0.42% |
| SUSAN REDDOCH BUFFINGTON3 | PO BOX 344 MANCHESTER, GA 31816 | AFLAC | $11 | $0 | $11 | 0.09% |
| ANA MARIE GARCIA SMITH3 | 4504 FAWNIE LANE KNOXVILLE, TN 37918 | AFLAC | $9 | $0 | $9 | 0.07% |
| SCOTT A SMITH3 | 6340 SUGARLOAF PKWY SUITE 200 DULUTH, GA 30097 | AFLAC | $5 | $0 | $5 | 0.04% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $1 | $0 | $1 | 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% |
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 | 310 | 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) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $181K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $181K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 385 | $401K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 385 | $401K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 385 | $401K |
| Stop-loss / reinsurancereinsurance | THE NORTH RIVER INSURANCE COMPANY | 0 | $924K |
| Other(5 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 385 | $492K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.