| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $48K | $0 | $48K | 3.00% |
| ACRISURE LLC3 | 2840 HILLCREEK DRIVE AUGUSTA, GA 30909 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $34K | $0 | $34K | 2.12% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $7K | $26K | 7.39% |
| ACRISURE LLC3 | 2840 HILLCREEK DRIVE AUGUSTA, GA 30909 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $2K | $16K | 4.42% |
| ASHFORD ADVISORS INC3 Filed as: ASHFORD ADVISORS, INC. | UNKNOWN AUGUSTA, GA 30903 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $178 | $0 | $178 | 0.05% |
| SAMANTHA LYNN WINNINGHAM3 | 3134 HUNT ROAD ACWORTH, GA 30102 | AFLAC | $2K | — | $2K | 7.61% |
| JEFFREY WINNINGHAM3 Filed as: JEFFREY M. WINNINGHAM | 3134 HUNT ROAD ACWORTH, GA 30102 | AFLAC | $1K | $0 | $1K | 4.58% |
| MJ INSURANCE3 Filed as: THOMAS STEPHENSON & VARIOUS AGENTS | 31 STADELMAN COURT CARTERSVILLE, GA 30120 | AFLAC | $663 | $0 | $663 | 2.79% |
| THOMAS D BAXTER3 Filed as: THOMAS D. BAXTER | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $328 | $0 | $328 | 1.38% |
| JONATHAN W MCCUTCHEON3 Filed as: JONATHAN W. MCCUTCHEON | 1150 MALLARD LAKE DRIVE BOGART, GA 30622 | AFLAC | $204 | $0 | $204 | 0.86% |
| JUANITA A MOLTIMORE3 Filed as: JUANITA A. MOLTIMORE | 437 AUTUMN DRIVE RIVERDALE, GA 30274 | AFLAC | $165 | $0 | $165 | 0.69% |
| BRENDAN N DUSHA3 Filed as: BRENDAN NEAL DUSHA | 4155 SHENANDOAH AVENUE SAINT LOUIS, MO 63110 | AFLAC | $130 | $0 | $130 | 0.55% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 126 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $356K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $356K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $356K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $356K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $356K |
| Prescription drug | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 126 | $1.6M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.