| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENTERTAINMENT AND SPORTS INSURANCE3 | TWO PACES WEST STE 1500 2727 PACES FERRY RD ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 5.36% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 203373 DALLAS, TX 753203373 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | $0 | $1K | 2.02% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 303395965 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 8.70% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $10K | 20.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | PO BOX 201503 DALLAS, TX 753200001 | VISION SERVICE PLAN | $2K | $0 | $2K | 7.86% |
| TIMOTHY CLENNEY3 | PO BOX 562 PARSONS, TN 38363 | AFLAC | $50 | $3K | $3K | 22.41% |
| JOHN KOWN II3 | 1275 SHILOH RD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $1K | $837 | $2K | 14.23% |
| CHARLES HARTHUN3 | 408 S TIPTON ST COVINGTON, TN 38019 | AFLAC | $32 | $1K | $1K | 9.27% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT RD NE STE 800 ATLANTA, GA 30305 | AFLAC | $1K | $0 | $1K | 7.40% |
| ANDREW DAVID KOWN3 Filed as: ANDREW KOWN | 6130 RIVER SHORE PKWY ATLANTA, GA 30328 | AFLAC | $278 | $439 | $717 | 5.05% |
| ROBERT F LANSFORD3 Filed as: ROBERT LANSFORD | 5018 AMBER WAY NW ACWORTH, GA 30102 | AFLAC | $317 | $184 | $501 | 3.53% |
| FRAN C HARGARTEN III3 Filed as: FRAN HARGARTEN III | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | AFLAC | $227 | $146 | $373 | 2.63% |
| PAUL S MANNA JR3 Filed as: PAUL MANNA JR | 201 WASHINGOTN AVE PLEASANTVILLE, NY 10570 | AFLAC | $49 | $270 | $319 | 2.25% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING GROUP INC | 270 COBB PKWY S STE 140 MARIETTA, GA 30060 | AFLAC | $130 | $158 | $288 | 2.03% |
| DANIEL E ZECKMAN3 Filed as: DANIEL ZECKMAN | 1275 SHILOH RD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $224 | $49 | $273 | 1.92% |
| MICHAEL WELLING3 | 22 BRANCH BROOK RD WHITE PLAINS, NY 10605 | AFLAC | $116 | $152 | $268 | 1.89% |
| DARYL PERRY3 | 4360 WALFORDE BLVD ACWORTH, GA 30101 | AFLAC | $127 | $117 | $244 | 1.72% |
| SANDRA L SIEBERT3 Filed as: SANDRA SIEBERT | 6070 TANGLETREE DR ROSWELL, GA 30075 | AFLAC | $57 | $94 | $151 | 1.06% |
| KATHERINE B MARCUM3 Filed as: KATHERINE MARCUM | 46 E HOLLEY ST PARSONS, TN 38363 | AFLAC | $121 | $0 | $121 | 0.85% |
| KATHLEEN T BENES3 Filed as: KATHLEEN BENES | 692 TRANSART PKWY CANTON, GA 30114 | AFLAC | $88 | $32 | $120 | 0.85% |
| TRULY B. PINEDA3 Filed as: TRULY PINEDA | 601 MONTGOMERY ST STE 1475 SAN FRANCISCO, CA 94111 | AFLAC | $2 | $110 | $112 | 0.79% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD TIDWELL | 5511 KINGSLEY MNR CUMMING, GA 30041 | AFLAC | $47 | $59 | $106 | 0.75% |
| TRISTAN GAINES3 | 357 AZALEA WAY NEW BRAUNFELS, TX 78132 | AFLAC | $43 | $63 | $106 | 0.75% |
| KIMBERLY DEWINTER3 | 1523 47TH AVE STE 3 MOLINE, IL 61265 | AFLAC | $58 | $46 | $104 | 0.73% |
| SANDRA SIMS3 Filed as: SANDRA FERNANDEZ | 20 N LITTLE TOR RD NEW CITY, NY 10956 | AFLAC | $33 | $64 | $97 | 0.68% |
| JOSEPH FOXLEY3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $42 | $44 | $86 | 0.61% |
| DAVID HAMMOND3 | 1604 WINTERSET PKWY SE MARIETTA, GA 30067 | AFLAC | $85 | $0 | $85 | 0.60% |
| MARCI COHEN3 | 10100 TWIN RIVERS RD APT 422 COLUMBIA, MD 21044 | AFLAC | $34 | $11 | $45 | 0.32% |
| WAYNE NADORF3 | 4 NORTHWOOD CT NEW ROCHELLE, NY 10804 | AFLAC | $25 | $17 | $42 | 0.30% |
| ANTHONY WOLF3 | 10675 38TH CIR NE SAINT MICHAEL, MN 55376 | AFLAC | $16 | $20 | $36 | 0.25% |
| NAOMI MILLER3 | 1308 BIG CREEK DR MCKINNEY, TX 75071 | AFLAC | $34 | $0 | $34 | 0.24% |
| STEVEN MUNICHIELLO3 | 72 PLEASANT ST FRANKLIN, MA 02038 | AFLAC | $20 | $9 | $29 | 0.20% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY IRVIN | 2001 W WILLOW KNOLLS DR PEORIA, IL 61614 | AFLAC | $11 | $8 | $19 | 0.13% |
| KYLE DUANE DAFLER3 Filed as: KYLE DAFLER | 2431 HAWKINS RD RICHMOND, IN 47374 | AFLAC | $7 | $11 | $18 | 0.13% |
| AMANDA RISNER3 | 8813 PRIEST MEADOW CT MCKINNEY, TX 75071 | AFLAC | $15 | $0 | $15 | 0.11% |
| STEVEN R KARAS3 Filed as: STEVEN KARAS | 2000 COMMONWEALTH AVE STE 110 AUBURNDALE, MA 02466 | AFLAC | $8 | $2 | $10 | 0.07% |
| JULIE BALL3 | 11126 AUTUMN GROVE CT LAS VEGAS, NV 89135 | AFLAC | $10 | $0 | $10 | 0.07% |
| LEE ROY ENTERPRISES, INC3 | 6746 CARINTHIA DR DAYTON, OH 45459 | AFLAC | $10 | $0 | $10 | 0.07% |
| SUZANNE LEWIS3 | 7116 RIPLEY ST MCKINNEY, TX 75071 | AFLAC | $9 | $0 | $9 | 0.06% |
| LUCAS BAUMGARTNER3 | 20 LAKE ST N STE 220 FOREST LAKE, MN 55025 | AFLAC | $4 | $4 | $8 | 0.06% |
| DAVID J MCCLELLAN3 Filed as: DAVID HALLETT | 8 BROOKS ST WINCHESTER, MA 01890 | AFLAC | $5 | $2 | $7 | 0.05% |
| DAVID SCHENKEL JR3 Filed as: DAVID SCHENKEL, JR | 2141 INDUSTRIAL PKWY STE 204 SILVER SPRING, MD 20904 | AFLAC | $7 | $0 | $7 | 0.05% |
| MATT SMITH3 | 509 20TH AVE SAN FRANCISCO, CA 94121 | AFLAC | $6 | $0 | $6 | 0.04% |
| MICHAEL R MAGOTEAUX3 Filed as: MICHAEL MCGAUGHEY | 1255 ARKANSAS DR XENIA, OH 45385 | AFLAC | $5 | $0 | $5 | 0.04% |
| LISA VALDEZ LEE3 | 9437 N 51ST DR GLENDALE, AZ 85302 | AFLAC | $5 | $0 | $5 | 0.04% |
| ERIN RADA3 | 7911 KLEINGREEN LN SPRING, TX 77379 | AFLAC | $5 | $0 | $5 | 0.04% |
| KEVIN R MCINERNEY3 Filed as: KEVIN MCINERNEY | 14 STILLMAN LN PLEASANTVILLE, NY 10570 | AFLAC | $2 | $0 | $2 | 0.01% |
| KRISTINA J KUNZ3 Filed as: KRISTINA KUNZ | 118 GRANVILLE WAY SAN FRANCISCO, CA 94127 | AFLAC | $1 | $0 | $1 | 0.01% |
| DARLENE RUESS3 | 110 HADDEN ST PEEKSKILL, NY 10566 | AFLAC | $1 | $0 | $1 | 0.01% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 932 E VOLK LN SAN TAN VALLEY, AZ 85140 | AFLAC | $1 | $0 | $1 | 0.01% |
| LILLIAN TOMPKINS3 | PO BOX 907 BEACON, NY 12508 | AFLAC | — | $0 | $0 | 0.00% |
| RAYMOND J KOBER3 Filed as: RAYMOND KOBER | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | — | $0 | $0 | 0.00% |
| RONALD S SANDERS3 Filed as: RONALD SANDERS | 1194 E LAKEVIEW DR SAN TAN VALLEY, AZ 85143 | AFLAC | — | $0 | $0 | 0.00% |
| RYAN E MCPHAIL3 Filed as: RYAN MCPHAIL | 206 ARBOR CT CANTON, GA 30114 | AFLAC | — | $0 | $0 | 0.00% |
| KEVIN MCCARTHY3 | 197 LANG DR NORTH KINGSTOWN, RI 02852 | AFLAC | — | $0 | $0 | 0.00% |
| TOMAS FLORES3 | 1054 GATEWAY BLVD STE 107 BOYNTON BEACH, FL 33426 | AFLAC | — | $0 | $0 | 0.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $820 | $317 | $1K | 10.00% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP, INC | 4348 SOUTHPOINT BLVD STE 400 JACKSONVILLE, FL 322160935 | METROPOLITAN LIFE INSURANCE COMPANY | -$1 | $0 | -$1 | -0.01% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NATIONAL INC | 3475 PIEDMONT ROAD SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $247 | $0 | $247 | 2.87% |
| MICHAEL WELLING3 Filed as: MICHAEL K WELLING | 22 BRANCH BROOK RD WHITE PLAINS, NY 10605 | CONTINENTAL AMERICAN INSURANCE COMPANY | $184 | $0 | $184 | 2.14% |
| JOHN P KOWN II3 | 1275 SHILOH ROAD SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $166 | $0 | $166 | 1.93% |
| KAREN H SMITH3 | 145 CHURCH ST NE STE 200 MARIETTA, GA 30060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $46 | $0 | $46 | 0.53% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.31% |
| ANDREW D KOWN3 | 710 CREEKGARDEN CT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.27% |
| RAYMOND J KOBER3 | 5 WEST MAIN STREET SUITE 209 ELMSFORD, NY 10523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.13% |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS RD SUITE 600 TARRYTOWN, NY 10591 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.06% |
| RONALD S SANDERS3 | 1194 E LAKEVIEW DRIVE SAN TAN VALLEY, AZ 85143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.06% |
| JONATHAN A FERGUSON3 | 14301 N 87TH ST STE 319 SCOTTSDALE, AZ 85260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.03% |
| JASON D HARTMAN3 | 5 GIBSON HILL RD CHESTER, NY 10918 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| JOSEPH FOXLEY3 Filed as: JOSEPH P FOXLEY | 580 WHITE PLAINS RD STE 115 WHITE PLAINS, NY 10591 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.02% |
| JUSTIN M REYNOLDS3 | 11905 PERSIAN TER BRADENTON, FL 34212 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| RYAN E MCPHAIL3 | 206 ARBOR CT CANTON, GA 30114 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD M TIDWELL | PO BOX 1801 CUMMING, GA 30028 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| CHARLES S MADISON3 | 3303 COBB PKWY NW STE 324-354 ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| TARRAH SMITHSON3 | 2000 BROOKE FOREST CT ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN R JOHNSON | 50 HURT PLAZA SE SUITE 995 ATLANTA, GA 30306 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| KEVIN MCCARTHY3 Filed as: KEVIN T MCCARTHY | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| TOMAS E FLORES3 | 5711 JEFFERSON ST APT 308 WEST NEW YORK, NJ 07093 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 2219 MCCAHILL CT BUFORD, GA 30519 | CONTINENTAL AMERICAN INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| WELLS FARGO INSURANCE SERVICES3 | USA, INC. 3475 PIEDMONT RD., SUITE 800 ATLANTA, GA 30305 | ACE AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 2,761 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 211 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 3,007 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,192 | $30K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 1,922 | $121K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 514 | $23K |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,534 | $174K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,919 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,922 | — |
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.