| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | UNITEDHEALTHCARE INSURANCE COMPANY | -$6 | $39K | $39K | 5.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | $0 | $15K | 11.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | AFLAC | $2K | $0 | $2K | 4.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | AFLAC | $2K | $0 | $2K | 4.39% |
| DARYL PERRY3 | 18 WATERS EDGE DRIVE SE ACWORTH, GA 30102 | AFLAC | $696 | $0 | $696 | 1.75% |
| JENNIFER CARNAHAN3 | 1718 PARDEE DRIVE KENNESAW, GA 30152 | AFLAC | $696 | $0 | $696 | 1.75% |
| MICHELLE CAROLYN FLORES-METCALFE3 Filed as: MICHELLE FLORES-METCALFE | 786 HELM LANE NW KENNESAW, GA 30144 | AFLAC | $174 | $0 | $174 | 0.44% |
| DANIEL E ZECKMAN3 Filed as: DANIEL ZECKMAN | 1275 SHILOH ROAD NW, SUITE 2260 KENNESAW, GA 30144 | AFLAC | $87 | $0 | $87 | 0.22% |
| JOHN KOWN II3 | 430 DAVIS CARNES LANE NW MARIETTA, GA 30064 | AFLAC | $87 | $0 | $87 | 0.22% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 102 | $772K |
| Dental | AFLAC | 98 | $40K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $129K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $129K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $129K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $129K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 102 | $772K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $941K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.