| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANDRA J. YARBROUGH3 | 6860 WESLEY HUGHES RD CUMMING, GA 30040 | AFLAC | $8K | $237 | $9K | 9.14% |
| JOHN P KOWN II3 | 430 DAVIS CARNES LN NW MARIETTATA, GA 30064 | AFLAC | $1K | $48 | $1K | 1.48% |
| KATHLEEN T BENES3 Filed as: KATHLEEN T. BENES | 692 TRANSART PKWY CANTON, GA 30114 | AFLAC | $1K | $47 | $1K | 1.38% |
| METZGER ASSOCIATES INC3 Filed as: METZGER ASSOCIATES INC. | 6860 WESLEY HUGHES RD CUMMING, GA 30040 | AFLAC | $322 | $0 | $322 | 0.34% |
| THOMAS METZGER3 Filed as: THOMAS D. METZGER | 1083 COTTONWOOD WAY PALATINE, IL 60074 | AFLAC | $294 | $0 | $294 | 0.31% |
| DAVID C CLOUD JR3 Filed as: DAVID C. CLOUD, JR. | 12 TRENT DR. SE ROME, GA 30161 | AFLAC | $205 | $0 | $205 | 0.22% |
| KAREN H SMITH3 Filed as: KAREN H. SMITH | 145 CHURCH ST. NE STE 200 MARIETTA, GA 30060 | AFLAC | $195 | $0 | $195 | 0.21% |
| STEPHEN MCCAULEY3 Filed as: STEPHEN T. MCCAULEY | 2971 SADDLEBROOK WAY NW MARIETTA, GA 30064 | AFLAC | $169 | $0 | $169 | 0.18% |
| JOSEPH BAILEY DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AFLAC | $155 | $0 | $155 | 0.17% |
| KATHLEEN T BENES3 Filed as: KATHLEEN T. BENES | 158 EDGEWATER TRL CANTON, GA 30115 | AFLAC | $113 | $0 | $113 | 0.12% |
| DAVID PETERSEN3 Filed as: DAVID L. PETERSON | 707 EUEL DRIVE MCDONOUGH, GA 30252 | AFLAC | $99 | $0 | $99 | 0.11% |
| TONY B. ANDERSON3 | PO BOX 1061 CONWAY, SC 29528 | AFLAC | $96 | $0 | $96 | 0.10% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $70 | $0 | $70 | 0.07% |
| LANCE OSBORNE3 | 21822 SEACREST LN HUNTINGTN BCH, CA 92646 | AFLAC | $67 | $0 | $67 | 0.07% |
| RONALD S SANDERS3 Filed as: RONALD S. SANDERS | 744 E. DENIM TRL SAN TAN VALLEY, AZ 85143 | AFLAC | $60 | $0 | $60 | 0.06% |
| STEVEN RAILTON3 | 5020 LAKE OVERLOOK AVE BRADENTON, FL 34208 | AFLAC | $56 | $0 | $56 | 0.06% |
| RODNEY A MCCLURE3 Filed as: RODNEY A. MCCLURE | 606 REDBUD TER CANTON, GA 30115 | AFLAC | $38 | $0 | $38 | 0.04% |
| AMY A O SHIELDS3 Filed as: AMY A. O'SHIELDS | 5159 CALGARY DR. DOUGLASVILLE, GA 30135 | AFLAC | $32 | $0 | $32 | 0.03% |
| ALEXANDER B WARD3 Filed as: ALEXANDER B. WARD | 5194 FOREST VIEW CT. SE MABLETON, GA 30126 | AFLAC | $30 | $0 | $30 | 0.03% |
| JUSTIN M GUIDI3 Filed as: JUSTIN M. GUIDI | 301 ROPER CREEK DR. GREENVILLE, SC 29615 | AFLAC | $14 | $0 | $14 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: WILLIAM A. MARSH | 1203 W. ROSENEATH RD FLORENCE, SC 29501 | AFLAC | $13 | $0 | $13 | 0.01% |
| DEBORAH B SMITH3 Filed as: DEBORAH B. SMITH | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $11 | $0 | $11 | 0.01% |
| RICHARD MICHAEL TIDWELL3 | 5511 KINGLSEY MNR CUMMING, GA 30041 | AFLAC | $8 | $0 | $8 | 0.01% |
| HAROLD K. MCCUTCHEN3 | 10 S. MORGAN AVE UNIT 1 ANDREWS, SC 29510 | AFLAC | $7 | $0 | $7 | 0.01% |
| JONATHAN W MCCUTCHEON3 Filed as: JONATHAN W. MCCUTCHEON | 1150 MALLARD LAKE DRIVE BOGART, GA 30622 | AFLAC | $7 | $0 | $7 | 0.01% |
| KATHERINE LATIMER3 | 5093 BOONE LINKS LN COLUMBUS, GA 31909 | AFLAC | $7 | $0 | $7 | 0.01% |
| RMANN GROUP INC3 Filed as: RMANN GROUP INC. | 1518 BUCKINGHAM AVE MYRTLE BEACH, SC 29577 | AFLAC | $6 | $0 | $6 | 0.01% |
| JOHN D TYLER3 Filed as: JOHN D. TYLER | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $4 | $0 | $4 | 0.00% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $2 | $0 | $2 | 0.00% |
| DAYTON LLC3 | 5445 DTC PKWY SUITE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $1 | $0 | $1 | 0.00% |
| GARY W JOHNSON3 Filed as: GARY W. JOHNSON | 802 LITTLE CREEK RD. ANDERSON, SC 29621 | AFLAC | $1 | $0 | $1 | 0.00% |
| PAUL SHELBY AMOS II3 | 6801 RIVER RD. SUITE 2100 COLUMBUS, GA 31904 | AFLAC | $1 | $0 | $1 | 0.00% |
| CHRIS MILLUS3 | 906 OAK ST CONWAY, SC 29526 | AFLAC | $1 | $0 | $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 | 84 | 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) | 84 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 84 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 84 | — |
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.