| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDRA J. YARBROUGH3 | 16295 CLAIRTY ROAD ALPHARETTA, GA 30004 | AFLAC | $11K | $1K | $12K | 13.24% |
| JOHN P KOWN II3 Filed as: JOHN P. KOWN II | 1275 SHILOH ROAD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $1K | $276 | $2K | 1.89% |
| KATHLEEN T BENES3 Filed as: KATHLEEN T. BENES | 249 WEATHERSTONE POINTE DRIVE WOODSTOCK, GA 30188 | AFLAC | $516 | $18 | $534 | 0.58% |
| RONALD S SANDERS3 Filed as: RONALD SANDERS | 7402 KINGS RIVER CT HUMBLE, TX 77346 | AFLAC | $215 | $257 | $472 | 0.51% |
| METZGER ASSOCIATES INC3 Filed as: METZGER ASSOCIATES INC. | 16295 CLARITY ROAD ALPHARETTA, GA 30004 | AFLAC | $375 | $0 | $375 | 0.41% |
| THOMAS METZGER3 Filed as: THOMAS D. METZGER | 1083 E. COTTONWOOD WAY PALATINE, IL 60074 | AFLAC | $336 | — | $336 | 0.36% |
| KAREN H SMITH3 Filed as: KAREN H. SMITH | 1550 FALLEN LEAF DRIVE SW MARIETTA, GA 30064 | AFLAC | $296 | — | $296 | 0.32% |
| JOESPH BAILEY DUCKETT3 | 13920 58TH ST. N SUITE 1002 CLEARWATER, FL 33760 | AFLAC | $275 | — | $275 | 0.30% |
| STEPHEN MCCAULEY3 Filed as: STEPHEN T. MCCAULEY | 2791 SADDLEBROOK WAY NW MARIETTA, GA 30064 | AFLAC | $259 | — | $259 | 0.28% |
| DAVID C CLOUD JR3 Filed as: DAVID C. CLOUD JR. | 1301 SHILOH ROAD NW SUITE 1020 KENNESAW, GA 30144 | AFLAC | $254 | — | $254 | 0.27% |
| DAVID L PETERSEN3 Filed as: DAVID L. PETERSEN | 790 HUFF ROAD NW ATLANTA, GA 30318 | AFLAC | $86 | — | $86 | 0.09% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $74 | — | $74 | 0.08% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUNTINGTON BCH, CA 92646 | AFLAC | $67 | — | $67 | 0.07% |
| STEVEN RAILTON3 | 3059 CASTLETON WAY MARIETTA, GA 30062 | AFLAC | $44 | — | $44 | 0.05% |
| RODNEY A MCCLURE3 Filed as: RODNEY A. MCCLURE | 606 REDBUD TERRACE CANTON, GA 30115 | AFLAC | $33 | — | $33 | 0.04% |
| SHERRI GOSS3 Filed as: SHERRI L. GOSS | 2517 MOODY ROAD SUITE 100 WARNER ROBINS, GA 31088 | AFLAC | $16 | — | $16 | 0.02% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON ROAD 14TH FLOUR COLUMBUS, GA 31999 | AFLAC | $1 | — | $1 | 0.00% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 115 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.