| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDRA J. YARBROUGH3 | 16295 CLAIRTY ROAD ALPHARETTA, GA 30004 | AFLAC | $15K | $67 | $15K | 10.67% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $2K | $16 | $2K | 1.63% |
| KATHLEEN T BENES3 Filed as: KATHLEEN T.BENES | 249 WEATHERSTONE POINT DRIVE WOODSTOCK, GA 30188 | AFLAC | $2K | $28 | $2K | 1.43% |
| METZGER ASSOCIATES INC3 Filed as: METZGER ASSOCIATES INC. | 16295 CLARITY ROAD ALPHARETTA, GA 30004 | AFLAC | $554 | — | $554 | 0.39% |
| THOMAS METZGER3 Filed as: THOMAS D. METZGER | 1083 E. COTTONWOOD WAY PALATINE, IL 60074 | AFLAC | $470 | — | $470 | 0.33% |
| KATHLEEN T BENES3 | 1275 SHILOH ROAD NW SUITE 2260 KENNESAW, GA 30144 | AFLAC | $430 | — | $430 | 0.31% |
| KAREN H SMITH3 Filed as: KAREN SMITH | 1550 FALLEN LEAF DRIVE SW MARIETA, GA 30064 | AFLAC | $381 | — | $381 | 0.27% |
| DAVID C CLOUD JR3 Filed as: DAVID C. CLOUD JR. | 1301 SHILOH ROAD NW SUITE 1020 KENNESAW, GA 30144 | AFLAC | $333 | — | $333 | 0.24% |
| STEPHEN MCCAULEY3 Filed as: STEPHEN T, MCCAULEY | 2791 SADDLEBROOK WAY NW MARIETTA, GA 30064 | AFLAC | $323 | — | $323 | 0.23% |
| JOSEPH BAILEY DUCKETT3 | 517 PINEWOOD DRIVE OLDSMAR, FL 34677 | AFLAC | $290 | — | $290 | 0.21% |
| DAVID L PETERSEN3 Filed as: DAVID L. PETERSEN | 114 SUNRISE STRIP CARROLLTON, GA 30117 | AFLAC | $123 | — | $123 | 0.09% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $105 | — | $105 | 0.07% |
| RONALD S SANDERS3 Filed as: RONALD S. SANDERS | 1194 E. LAKEVIEW DRT SAN TAN VALLEY, AZ 85143 | AFLAC | $104 | — | $104 | 0.07% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUNTINGTN BCH, CA 92646 | AFLAC | $100 | — | $100 | 0.07% |
| STEVEN RAILTON3 | 5020 LAKE OVERLOOK AVE BRADENTON, FL 34208 | AFLAC | $60 | — | $60 | 0.04% |
| AMY A O SHIELDS3 Filed as: AMY A. O'SHIELDS | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | AFLAC | $59 | — | $59 | 0.04% |
| ALEXANDER B WARD3 Filed as: ALEXANDER B. WARD | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $56 | — | $56 | 0.04% |
| RODNEY A MCCLURE3 Filed as: RODNEY A. MCCLURE | 606 REDBUD TER CANTON, GA 30115 | AFLAC | $45 | — | $45 | 0.03% |
| TIMOTHY SCOTT EACHUS3 | 7707 NIGHT HAWK RD CHATTANOOGA, TN 37421 | AFLAC | $21 | — | $21 | 0.01% |
| MICHAEL LEROY COY3 | 3571 FAR WEST BLVD 42 AUSTIN, TX 78731 | AFLAC | $21 | — | $21 | 0.01% |
| CINDY R EICHOLTZ3 Filed as: CINDY R. EICHOLTZ | 321 E. BROADACRE RD NE DALTON, GA 30721 | AFLAC | $20 | — | $20 | 0.01% |
| MATTHEW RICHARDS DICKSON3 | 1356 ANNAPOLIS WAY GRAYSON, GA 30017 | AFLAC | $20 | — | $20 | 0.01% |
| JUDY M BIRD3 Filed as: JUDY M. BIRD | 1905 RICHLAND LANE DALTON, GA 30720 | AFLAC | $17 | — | $17 | 0.01% |
| DIANE M OBRIEN3 Filed as: DIANE M. OBRIEN | 2102 LAKE FRANCIS RD NE DALTON, GA 30721 | AFLAC | $16 | — | $16 | 0.01% |
| RICHARD MICHAEL TIDWELL3 | 5511 KINGSLEY MANOR CUMMING, GA 30041 | AFLAC | $16 | — | $16 | 0.01% |
| JONATHAN W MCCUTCHEON3 Filed as: JONATHAN W. MCCUTCHEON | 1150 MALLARD LAKE DRIVE BOGART, GA 30622 | AFLAC | $14 | — | $14 | 0.01% |
| KATHERINE LATIMER3 | 90 CECILY CT FORTSON, GA 31808 | AFLAC | $11 | — | $11 | 0.01% |
| DEBOARAH B. SMITH3 | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $10 | — | $10 | 0.01% |
| DEBORAH B SMITH3 Filed as: DEBORAH B. SMITH | 4720 TWIN OAKS DR NW KENNESAW, GA 30152 | AFLAC | $7 | — | $7 | 0.00% |
| STEVE RAILTON3 | 3059 CASTLETON WAY MARIETTA, GA 30062 | AFLAC | $6 | — | $6 | 0.00% |
| BRANDON C ADAMS3 Filed as: BRANDON C. ADAMS | 74 CROWN COLONY ROAD SAINT AUGUSTINE, FL 32092 | AFLAC | $3 | — | $3 | 0.00% |
| MELYNDA RAY-MCCUTCHEON3 Filed as: MELYNDA RAY MCCUTCHEON | 1150 MALLARD LAKE DRIVE BOGART, GA 30622 | AFLAC | $2 | — | $2 | 0.00% |
| RYAN E MCPHAIL3 Filed as: RYAN E. MCPHAIL | 206 ARBOR CT CANTON, GA 30114 | AFLAC | $1 | — | $1 | 0.00% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON ROAD 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $1 | — | $1 | 0.00% |
| ROBERT L GOBLE3 Filed as: ROBERT L. GOBLE | 1410 4TH STREET DRIVE 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 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | 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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 114 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.