| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE CENTER PARKWAY SUITE 700 ATLANTA, GA 30328 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $3K | $22K | 15.02% |
| SANDRA J. YARBROUGH3 Filed as: SANDRA J. LEAR | 6860 WESLEY HUGHES ROAD CUMMING, GA 30040 | AFLAC | $7K | $226 | $7K | 9.24% |
| KATHLEEN T BENES3 Filed as: KATHLEEN T. GILREATH | 103 AVERY DRIVE TALKING ROCK, GA 30175 | AFLAC | $2K | $42 | $2K | 2.40% |
| JOHN P KOWN II3 Filed as: JOHN P. KOWN II | 430 DAVIS CARNES LANE NW MARIETTA, GA 30068 | AFLAC | $1K | $42 | $1K | 1.94% |
| ANDREW R JACOBS3 Filed as: ANDREW R. JACOBS | PO BOX 682472 MARIETTA, GA 30068 | AFLAC | $1K | $0 | $1K | 1.77% |
| THOMAS METZGER3 Filed as: THOMAS D. METZGER AND OTHER AGENTS | 1083 EAST COTTONWOOD WAY PALATINE, IL 60074 | AFLAC | $710 | $0 | $710 | 0.97% |
| METZGER ASSOCIATES INC3 Filed as: METZGER ASSOCIATES, INC. | 6860 WESLEY HUGHES ROAD CUMMING, GA 30040 | AFLAC | $203 | $0 | $203 | 0.28% |
| KAREN H SMITH3 Filed as: KAREN H. SMITH | 145 CHURCH STREET NE, SUITE 200 MARIETTA, GA 30060 | AFLAC | $150 | $0 | $150 | 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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $145K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $218K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $145K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 152 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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.