| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDRA J. YARBROUGH3 | 910 DEERFIELD CROSSING DR. APT 7111 ALPHARETTA, GA 30004 | AFLAC | $7K | — | $7K | 9.47% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $1K | — | $1K | 1.62% |
| SANDRA J. YARBROUGH3 Filed as: SANDRA J YARBROUGH | 16295 CLARITY RD ALPHARETTA, GA 30004 | AFLAC | $1K | — | $1K | 1.40% |
| KATHLEEN T BENES3 | 692 TRANSART PKWY CANTON, GA 30114 | AFLAC | $1K | — | $1K | 1.40% |
| METZGER ASSOCIATES INC3 | 910 DEERFIELD CROSSING DR APT 7111 ALPHARETTA, GA 30004 | AFLAC | $302 | — | $302 | 0.39% |
| THOMAS METZGER3 | 1083 E. COTTONWOOD WAY PALATINE, IL 60074 | AFLAC | $262 | — | $262 | 0.34% |
| DAVID C CLOUD JR3 Filed as: DAVID C. CLOUD JR. | 12 TRENT DR. SE ROME, GA 30161 | AFLAC | $168 | — | $168 | 0.22% |
| KATHLEEN T BENES3 | 249 WEATHERSTONE POINTE DRIVE WOODSTOCK, GA 30188 | AFLAC | $140 | — | $140 | 0.18% |
| STEPHEN MCCAULEY3 Filed as: STEPHEN T MCCAULEY | 2791 SADDLEBROOK WAY NW MARIETTA, GA 30064 | AFLAC | $133 | — | $133 | 0.17% |
| KAREN H SMITH3 | 145 CHURCH STREET NE STE 200 MARIETTA, GA 30252 | AFLAC | $132 | — | $132 | 0.17% |
| DAVID PETERSEN3 Filed as: DAVID L. PETERSON | 707 EUEL DR MCDONOUGH, GA 30252 | AFLAC | $72 | — | $72 | 0.09% |
| JOSEPH BAILEY DUCKETT3 | 1000 PARKWOOD CIR SE STE 900 ATLANTA, GA 30339 | AFLAC | $68 | — | $68 | 0.09% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $57 | — | $57 | 0.07% |
| LANCE OSBORNE3 | 21822 SEACREST LN HUNTINGTON BEACH, CA 92646 | AFLAC | $54 | — | $54 | 0.07% |
| KAREN H SMITH3 | 1550 FALLEN LEAF DR SW MARIETTA, GA 30064 | AFLAC | $52 | — | $52 | 0.07% |
| JOSEPH BAILEY DUCKETT3 | 517 PINEWOOD DR OLDSMAR, FL 34677 | AFLAC | $52 | — | $52 | 0.07% |
| RONALD S SANDERS3 Filed as: RONALD SANDERS | 1194 E. LAKEVIEW DRIVE SAN TAN VALLEY, AZ 85143 | AFLAC | $50 | — | $50 | 0.06% |
| STEVEN RAILTON3 | 5020 LAKE OVERLOOK AVE BRADENTON, FL 34208 | AFLAC | $38 | — | $38 | 0.05% |
| AMY A O SHIELDS3 Filed as: AMY A O'SHIELDS | 5159 CALGARY DR DOUGLASVILLE, GA 30135 | AFLAC | $28 | — | $28 | 0.04% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30156 | AFLAC | $27 | — | $27 | 0.03% |
| RODNEY A MCCLURE3 | 606 REDBUD TER CANTON, GA 30115 | AFLAC | $23 | — | $23 | 0.03% |
| MICHAEL LEROY COY3 | 3571 FAR WEST BLVD 42 AUSTIN, TX 78731 | AFLAC | $12 | — | $12 | 0.02% |
| CINDY R EICHOLTZ3 | 321 E BROADACRE RD NE DALTON, GA 30721 | AFLAC | $12 | — | $12 | 0.02% |
| MATTHEW RICHARDS DICKSON3 | 1356 ANNAPOLIS WAY GRAYSON, GA 30017 | AFLAC | $12 | — | $12 | 0.02% |
| TIMOTHY SCOTT EACHUS3 | 7707 NIGHT HAWK RD CHATTANOOGA, TN 37421 | AFLAC | $12 | — | $12 | 0.02% |
| JUDY M BIRD3 | 1905 RICHLAND LN DALTON, GA 30720 | AFLAC | $10 | — | $10 | 0.01% |
| DIANE M OBRIEN3 | 2102 LAKE FRANCIS RD NE DALTON, GA 30721 | AFLAC | $9 | — | $9 | 0.01% |
| DEBORAH B SMITH3 | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $9 | — | $9 | 0.01% |
| JONATHAN W MCCUTCHEON3 Filed as: JONATHAN W. MCCUTCHEON | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $7 | — | $7 | 0.01% |
| KATHERINE LATIMER3 | 90 CECILY CT FORTSON, GA 31808 | AFLAC | $6 | — | $6 | 0.01% |
| RICHARD MICHAEL TIDWELL3 | 5511 KINGSLEY MNR CUMMING, GA 30041 | AFLAC | $6 | — | $6 | 0.01% |
| BRANDON C ADAMS3 | 74 CROWN COLONY RD SAINT AUGUSTINE, FL 32092 | AFLAC | $2 | — | $2 | 0.00% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON RD 14TH FL COLUMBUS, GA 31999 | AFLAC | $1 | — | $1 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| RYAN E MCPHAIL3 | 206 ARBOR CT CANTON, GA 30114 | AFLAC | $1 | — | $1 | 0.00% |
| TONY B. ANDERSON3 Filed as: TONY B ANDERSON | PO BOX 1061 CONWAY, SC 29528 | AFLAC | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: WILLAM A MARSH | 9500 INDIGO CREEK BLVD MURRELLS INLET, SC 29576 | AFLAC | $1 | — | $1 | 0.00% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $1 | — | $1 | 0.00% |
| HAROLD K. MCCUTCHEN3 Filed as: HAROLD K MCCUTCHEN | 10 S MORGAN AVE UNIT 1 ANDREWS, SC 29510 | AFLAC | $1 | — | $1 | 0.00% |
| RMANN GROUP INC3 | 1518 BUCKINGHAM AVE MYRTLE BEACH, SC 29577 | 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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 109 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.