| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | AFLAC | $4K | $0 | $4K | 0.24% |
| SAMANTHA LYNN WINNINGHAM3 | 3134 HUNT ROAD ACWORTH, GA 30102 | AFLAC | $3K | $102 | $3K | 0.23% |
| JEFFREY WINNINGHAM3 Filed as: JEFFREY M. WINNINGHAM | 3134 HUNT ROAD ACWORTH, GA 30102 | AFLAC | $3K | $42 | $3K | 0.22% |
| THOMAS D BAXTER3 Filed as: THOMAS D. BAXTER | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $2K | $34 | $2K | 0.15% |
| AUSTIN J RICE3 Filed as: AUSTIN J. RICE | 205 PERSIMMON TRAIL WOODSTOCK, GA 30188 | AFLAC | $1K | $0 | $1K | 0.09% |
| BRENDAN N DUSHA3 Filed as: BRENDAN NEAL DUSHA AND OTHER AGENTS | 4155 SHENANDOAH AVENUE SAINT LOUIS, MO 63110 | AFLAC | $1K | $14 | $1K | 0.07% |
| JONATHAN W MCCUTCHEON3 Filed as: JONATHAN W. MCCUTCHEON | 1150 MALLARD LAKE DRIVE BOGART, GA 30622 | AFLAC | $219 | $0 | $219 | 0.01% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $37K | $0 | $37K | 11.64% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $0 | $16K | 5.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $73K | $13K | $85K | 50.85% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 34 | $168K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $316K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $316K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $316K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $316K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 146 | $316K |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 34 | $168K |
| Other(2 contracts, 2 carriers) | AFLAC | 146 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.