| 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 | $15K | $4K | $20K | 15.28% |
| SANDRA J. YARBROUGH3 Filed as: SANDRA LEAR | 6860 WESLEY HUGHES ROAD CUMMING, GA 30040 | AFLAC | $10K | $166 | $10K | 10.95% |
| KATHLEEN T BENES3 Filed as: KATHLEEN GILREATH | 103 AVERY DRIVE TALKING ROCK, GA 30175 | AFLAC | $2K | $31 | $2K | 2.41% |
| JOHN KOWN II3 | 430 DAVIS CARNES LANE NW MARIETTA, GA 30064 | AFLAC | $2K | $31 | $2K | 1.88% |
| DAVID C CLOUD JR3 Filed as: DAVID CLOUD, JR. AND OTHER AGENTS | 12 TRENT DRIVE SE ROME, GA 30161 | AFLAC | $761 | $0 | $761 | 0.81% |
| METZGER ASSOCIATES INC3 Filed as: METZGER ASSOCIATES, INC. | 6860 WESLEY HUGHES ROAD CUMMING, GA 30040 | AFLAC | $244 | $0 | $244 | 0.26% |
| KAREN H SMITH3 Filed as: KAREN SMITH | 145 CHURCH STREET NE, SUITE 200 MARIETTA, GA 30060 | AFLAC | $181 | $0 | $181 | 0.19% |
| THOMAS METZGER3 | 1063 EAST COTTONWOOD WAY PALATINE, IL 60074 | AFLAC | $180 | $0 | $180 | 0.19% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $128K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $222K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $128K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.