| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE BIRMINGHAM, AL 35243 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $17K | $0 | $17K | 4.98% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $46K | $0 | $46K | 15.00% |
| S S NESBITT & CO INC3 Filed as: S S NESBITT AND COMPANY, INC. | 3500 BLUE LAKE ROAD VESTAVIA, AL 35243 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 2.79% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $204 | $204 | 0.07% |
| HAYS COMPANIES, INC.3 Filed as: HAYS BOGEYFREE, LLC | 2040 PARKS MILL DRIVE GREENSBORO, GA 30642 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | $0 | $23K | 29.79% |
| ALICIA B CLIFTON3 Filed as: ALICIA BEAZLEY CLIFTON | 1715 SPARTAN LANE HOSCHTON, GA 30548 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 6.96% |
| SCOTT A SMITH3 Filed as: SCOTT ALLEN SMITH | 5300 OAKBROOK PARKWAY, SUITE 350 NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 3.73% |
| WARDLOW AND ASSOCIATES3 | 195 GARFIELD STREET SANTA ROSA BEACH, FL 32459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | $0 | $96 | 0.13% |
| KEVIN CURTIS3 Filed as: KEVIN M. CURTIS | 401 RYLAND STREET, SUITE 204 RENO, NV 89502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $57 | $0 | $57 | 0.07% |
| STEVEN VORDERLANDWEHR3 Filed as: STEVEN M. VORDERLANDWEHR | 1018 HIGHGROVE DRIVE MONROE, GA 30655 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | $0 | $51 | 0.07% |
| CYNTHIA LOGGINS3 Filed as: CYNTHIA B. LOGGINS AND OTHER AGENTS | 1434 EMERSON WAY MONROE, GA 30656 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 0.06% |
| VALENT GROUP3 Filed as: VALENT GROUP, LLC | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $5K | $0 | $5K | 9.48% |
| IMA, INC.3 | 3500 BLUE LAKE DRIVE, SUITE 120 VESTAVIA, AL 35243 | VISION SERVICE PLAN | $376 | $0 | $376 | 0.77% |
| MYRA C. SCHMIDT3 Filed as: MYRA SCHMIDT | 101 CAPE CHARLES DRIVE GREENVILLE, SC 29615 | AFLAC | $472 | $0 | $472 | 7.75% |
| DANIEL FITZGERALD INC3 Filed as: DANIEL FITZGERALD | 4119 SHADY OAKS DRIVE AUGUSTA, GA 30907 | AFLAC | $152 | $0 | $152 | 2.50% |
| ALICIA CLIFTON3 | 1715 SPARTAN LANE HOSCHTON, GA 30548 | AFLAC | $63 | $0 | $63 | 1.03% |
| THOMAS GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $41 | $0 | $41 | 0.67% |
| KAY COLLINS AND OTHER AGENTS3 | 159 PA JOHNS ROAD NE MILLEDGEVILLE, GA 31061 | AFLAC | $25 | $0 | $25 | 0.41% |
| CINDY WILLIAMS3 | 4541 HICKORY SHORES BOULEVARD GULF BREEZE, FL 32563 | AFLAC | $20 | $0 | $20 | 0.33% |
| JEFFREY TAYLOR3 | 820 WHITE OAK DRIVE NEWNAN, GA 30265 | AFLAC | $13 | $0 | $13 | 0.21% |
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 | 975 | 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) | 975 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 755 | $342K |
| Vision | VISION SERVICE PLAN | 510 | $49K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 975 | $314K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 975 | $308K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 975 | $391K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 975 | — |
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.