| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDRA J. YARBROUGH3 | 16295 CLARITY ROAD ALPHARETTA, GA 30004 | AFLAC | $17K | $523 | $17K | 12.04% |
| KATHLEEN T BENES3 Filed as: KATHLEEN T. BENES | 1275 SHILOH ROAD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $4K | $105 | $4K | 3.13% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD NW SUITE 2260 KENNESAW, GA 30144 | AFLAC | $3K | $104 | $3K | 1.99% |
| METZGER ASSOCIATES INC3 Filed as: METZGER ASSOCIATES INC. | 16295 CLARITY ROAD ALPHARETTA, GA 30004 | AFLAC | $514 | — | $514 | 0.36% |
| THOMAS METZGER3 Filed as: THOMAS D. METZGER | 1083 E. COTTONWOOD WAY PALATINE, IL 60074 | AFLAC | $463 | — | $463 | 0.32% |
| KAREN H SMITH3 Filed as: KAREN H. SMITH | 1550 FALLEN LEAF DRIVE SW MARIETTA, GA 30064 | AFLAC | $402 | — | $402 | 0.28% |
| JOESPH BAILEY DUCKETT3 | 517 PINEWOOD DRIVE OLDSMAR, FL 34677 | AFLAC | $372 | — | $372 | 0.26% |
| DAVID C CLOUD JR3 Filed as: DAVID C. CLOUD JR. | 1301 SHILOH ROAD NW SUITE 1020 KENNESAW, GA 30144 | AFLAC | $349 | — | $349 | 0.24% |
| STEPHEN MCCAULEY3 Filed as: STEPHEN T. MCCAULEY | 2791 SADDLEBROOK WAY NW MARIETTA, GA 30064 | AFLAC | $329 | — | $329 | 0.23% |
| RONALD S SANDERS3 Filed as: RONALD SANDERS | 1194 E LAKEVIEW DRT SAN TAN VALLEY, AZ 85143 | AFLAC | $112 | — | $112 | 0.08% |
| DAVID L PETERSEN3 Filed as: DAVID L. PETERSEN | 790 HUFF ROAD NW ATLANTA, GA 30318 | AFLAC | $112 | — | $112 | 0.08% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $101 | — | $101 | 0.07% |
| LANCE OSBORNE3 | 21822 SEACREST LN HUNTINGTON BEACH, CA 92646 | AFLAC | $92 | — | $92 | 0.06% |
| KATHLEEN T BENES3 | 249 WEATHERSTONE POINTE DRIVE WOODSTOCK, GA 30188 | AFLAC | $74 | — | $74 | 0.05% |
| STEVEN RAILTON3 | 3059 CASTLETON WAY MARIETTA, GA 30062 | AFLAC | $60 | — | $60 | 0.04% |
| RODNEY A MCCLURE3 Filed as: RODNEY MCCLURE | 606 REDBUD TER CANTON, GA 30115 | AFLAC | $38 | — | $38 | 0.03% |
| SHERRI GOSS3 | 2517 MOODY RD SUITE 100 WARNER ROBINS, GA 31088 | AFLAC | $19 | — | $19 | 0.01% |
| TIMOTHY SCOTT EACHUS3 | 7707 NIGHT HAWK ROAD CHATTANOOGA, TN 37421 | AFLAC | $16 | — | $16 | 0.01% |
| MICHAEL LEROY COY3 | 3571 FAR WEST BLVD 42 AUSTIN, TX 78731 | AFLAC | $16 | — | $16 | 0.01% |
| CINDY R EICHOLTZ3 Filed as: CINDY R. EICHOLTZ | 321 E. BROADACRE RD NE DALTON, GA 30721 | AFLAC | $15 | — | $15 | 0.01% |
| JUDY M BIRD3 | 1906 RICHLAND LANE DALTON, GA 30720 | AFLAC | $12 | — | $12 | 0.01% |
| DIANE M OBRIEN3 | 2102 LAKE FRANCIS RD. NE DALTON, GA 30721 | AFLAC | $12 | — | $12 | 0.01% |
| AMY A O SHIELDS3 Filed as: AMY A. O'SHIELDS | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | AFLAC | $11 | — | $11 | 0.01% |
| ALEXANDER B WARD3 Filed as: ALEXANDER B. WARD | 5194 FOREST VIEW CT. SE MABLETON, GA 30126 | AFLAC | $10 | — | $10 | 0.01% |
| MATTHEW RICHARDS DICKSON3 | 1356 ANNAPOLIS WAY GRAYSON, GA 30017 | AFLAC | $10 | — | $10 | 0.01% |
| MATTHEW RICHARDS DICKSON3 | 1465 INWOOD ROAD LAWRENCEVILLE, GA 30045 | AFLAC | $5 | — | $5 | 0.00% |
| RODNEY A MCCLURE3 | 606 REDBUD TERRACE CANTON, GA 30115 | AFLAC | $4 | — | $4 | 0.00% |
| DEBORAH B SMITH3 Filed as: DEBORAH B. SMITH | 4720 TWIN OAKS DR. NW KENNESAW, GA 30152 | AFLAC | $3 | — | $3 | 0.00% |
| RICHARD MICHAEL TIDWELL3 | 5511 KINGSLEY MANOR CUMMING, GA 30041 | AFLAC | $3 | — | $3 | 0.00% |
| BRANDON C ADAMS3 Filed as: BRANDON C.ADAMS | 108 TORTUGA BAY DRIVE SAINT AUGUSTINE, FL 32092 | AFLAC | $3 | — | $3 | 0.00% |
| JONATHAN W MCCUTCHEON3 Filed as: JONATHAN W. MCCUTCHEON | 1150 MALLARD LAKE DR. BOGART, GA 30622 | AFLAC | $2 | — | $2 | 0.00% |
| KATHERINE LATIMER3 | 90 CECILY CT. FORTSON, GA 31808 | AFLAC | $2 | — | $2 | 0.00% |
| PAUL SHELBY AMOS II3 Filed as: PAUL SHELBY AMOSS II | 1932 WYNNTON ROAD 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $1 | — | $1 | 0.00% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR. BOGART, GA 30622 | AFLAC | $1 | — | $1 | 0.00% |
| RYAN E MCPHAIL3 Filed as: RYAN E. MCPHAIL | 206 ARBOR CT. CANTON, GA 30114 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT L GOBLE3 Filed as: ROBERT L. GOBLE | 1410 4TH STREET DR. NW UNIT 208 HICKORY, NC 28601 | AFLAC | $1 | — | $1 | 0.00% |
| SCOTTI MADISON3 | 3330 COBB PARKWAY SUITE 324-3 ACWORTH, GA 30101 | AFLAC | $1 | — | $1 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 1839 YGNACIO VALLEY ROAD SUITE 393 WALNUT CREEK, CA 94598 | AFLAC | $0 | — | $0 | 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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 136 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.