| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT AND COMPANY, INC. | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $9K | — | $9K | 4.63% |
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT AND COMPANY | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 12.74% |
| MYRA C. SCHMIDT3 | 1031 CALLAHANS RIDGE ROAD GREENSBORO, GA 30642 | AFLAC | $1K | $21 | $1K | 7.08% |
| MJ INSURANCE3 Filed as: RICHARD S. HAYES AND VARIOUS AGENTS | 159 COLLINS ROAD EATONTON, GA 31024 | AFLAC | $198 | $77 | $275 | 1.46% |
| DANIEL FITZGERALD INC3 Filed as: DANIEL S. FITZGERALD | 4119 SHADY OAKS DRIVE AUGUSTA, GA 30907 | AFLAC | $256 | — | $256 | 1.36% |
| ALICIA B CLIFTON3 Filed as: ALICIA B. CLIFTON | 3915 HUNTING RIDGE DRIVE LILBURN, GA 30047 | AFLAC | $203 | $14 | $217 | 1.15% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $114 | — | $114 | 0.61% |
| CINDY WILLIAMS3 Filed as: CINDY T. WILLIAMS | 108 BEAR DRIVE GULF BREEZE, FL 32561 | AFLAC | $62 | — | $62 | 0.33% |
| JOHN B COLLINS3 Filed as: JOHN B. COLLINS | 311 PEBBLE HOLLOW DRIVE MILLEDGEVILLE, GA 31061 | AFLAC | $61 | — | $61 | 0.32% |
| S S NESBITT & CO INC3 Filed as: S.S. NESBITT AND COMPANY | 3500 BLUE LAKE DRIVE, SUITE 120 BIRMINGHAM, AL 35243 | EYEMED VISION CARE | $2K | — | $2K | 10.83% |
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 | 303 | 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) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 472 | $200K |
| Vision | EYEMED VISION CARE | 502 | $18K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 303 | $112K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 303 | $93K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 303 | $93K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 303 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.