| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDRA J. YARBROUGH3 Filed as: SANDRA J. LEAR | 6860 WESLEY HUGHES RD CUMMING, GA 30040 | AFLAC | $8K | $123 | $8K | 10.08% |
| KATHLEEN T BENES3 Filed as: KATHLEEN T. BENES | 103 AVERY DRIVE TALKING ROCK, GA 30175 | AFLAC | $1K | $29 | $1K | 1.78% |
| JOHN P KOWN II3 | 430 DAVIS CARNES LN NW MARIETTA, GA 30064 | AFLAC | $1K | $29 | $1K | 1.64% |
| KAREN H SMITH3 Filed as: KAREN H SMITH AND OTHER AGENTS | 145 CHURCH ST. NE STE 200 MARIETTA, GA 30060 | AFLAC | $1K | $3 | $1K | 1.21% |
| METZGER ASSOCIATES INC3 Filed as: METZGER ASSOCIATES INC. | 6860 WESLEY HUGHES RD CUMMING, GA 30040 | AFLAC | $288 | $0 | $288 | 0.34% |
| THOMAS METZGER3 | 1083 E. COTTONWOOD WAY PALATINE, IL 60074 | AFLAC | $231 | $0 | $231 | 0.28% |
| DAVID C CLOUD JR3 Filed as: DAVID C. CLOUD JR. | 12 TRENT DR. SE ROME, GA 30161 | AFLAC | $181 | $0 | $181 | 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 | 79 | 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) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 79 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 79 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.