| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 3800 COLONNADE DRIVE SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59K | $12K | $71K | 12.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $7K | $7K | 1.13% |
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $71K | $12K | $83K | 18.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.16% |
| J S BENEFITS INC3 Filed as: J S BENEFITS, INC. | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | JOHN HANCOCK LIFE INSURANCE COMPANY | $21K | $0 | $21K | 12.96% |
| JS BENEFITS INC3 Filed as: JS BENEFITS, INC. | 3800 COLONNADE PKWY #540 BIRMINGHAM, AL 35243 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 5.59% |
| LTCI PARTNERS LLC3 | 2924 MARKETPLACE DRIVE # 102 MADISON, WI 537195332 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 4.66% |
| KLD INSURANCE BENEFITS INC3 | 8045 ROYAL SAINT GEORGE LANE DULUTH, GA 30097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $632 | $3K | 3.80% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE RD ATLANTA, GA 30305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.81% |
| LAURIE J BURNS3 Filed as: LAURIE J. BURNS | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $985 | $276 | $1K | 1.75% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | 3500 LENOX ROAD ATLANTA, GA 30326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $784 | — | $784 | 1.09% |
| KLINGBEIL AND ASSOCIATES INC3 | 6000 LAKE FOREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $707 | $4 | $711 | 0.99% |
| DOMINIUM BENEFITS, LLC3 Filed as: DOMINIUM BENEFITS LLC | 3500 LENOX ROAD ATLANTA, GA 30326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $678 | — | $678 | 0.94% |
| PLM SOLUTIONS INC3 | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $551 | — | $551 | 0.77% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | $27 | $302 | 0.42% |
| EMLYN MARSTELLER IV3 Filed as: EMLYN H. MARSTELLER IV | 412 SUGARLAND MEADOW DRIVE HERNDAN, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | — | $281 | 0.39% |
| C MARIE ADAMS VOLK3 Filed as: C. MARIE ADAMS VOLK | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | $104 | $279 | 0.39% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 WEST SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $87 | $20 | $107 | 0.15% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $9 | $105 | 0.15% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $8 | $15 | 0.02% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DRIVE SOUTH SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $2 | $8 | 0.01% |
| UN HUI SMITH3 | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| PATRICIA L CARON3 Filed as: PATRICIA L. CARON | 190 TESUQUE VILLAGE ROAD SANTA FE, NM 87506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | $3 | $3 | 0.00% |
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $1K | $7K | 19.86% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $508 | $508 | 1.41% |
| ECP BENEFITS3 | 2838 HILLCREEK DR AUGUSTA, GA 30907 | AFLAC | $701 | — | $701 | 2.74% |
| WENDY M RANKIN3 Filed as: WENDY M. RANKIN | 990 PEBBLESTONE COURT ALPHARETTA, GA 30004 | AFLAC | $584 | — | $584 | 2.28% |
| BART G. TRULOCK3 | 2838 HILLCREEK DR AUGUSTA, GA 30909 | AFLAC | $343 | — | $343 | 1.34% |
| KERRY C EZZELL3 Filed as: KERRY C. EZZELL | POST OFFICE BOX 15074 AUGUSTA, GA 30919 | AFLAC | $268 | — | $268 | 1.05% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | 322 SPRING HILL DR STE A800 SPRING, TX 77386 | AFLAC | $213 | — | $213 | 0.83% |
| THOMAS ROBERT GIDDENS3 | P.O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $173 | — | $173 | 0.68% |
| DANIEL FITZGERALD INC3 Filed as: DANIEL S. FITZGERALD | 4119 SHADY OAKS DR AUGUSTA, GA 30907 | AFLAC | $173 | — | $173 | 0.68% |
| STEPHEN KALLOCK3 Filed as: STEPHEN G. KALLOCK | 703 OXFORD COVE CANTON, GA 30115 | AFLAC | $172 | — | $172 | 0.67% |
| NICOLE M. DUNCAN3 | 5219 SUMMERFIELD LANE SPRING, TX 77379 | AFLAC | $142 | — | $142 | 0.55% |
| JEFFREY S TAYLOR3 Filed as: JEFFREY S. TAYLOR | 820 WHITE OAK DRIVE NEWNAN, GA 30265 | AFLAC | $117 | — | $117 | 0.46% |
| DAWN JOHNSON3 Filed as: DAWN M. JOHNSON | PO BOX 982 CLARKSBURG, MD 20871 | AFLAC | $103 | — | $103 | 0.40% |
| CHAD HAINES3 Filed as: CHAD W. HAINES | 104 HUNTERS TRAIL CONROE, TX 77304 | AFLAC | $86 | — | $86 | 0.34% |
| ROBYN M. MORGAN3 | 13452 PROVIDENCE ROAD ALPHARETTA, GA 30009 | AFLAC | $60 | — | $60 | 0.23% |
| JOHN M JOHNSON3 Filed as: JOHN M. JOHNSON | 2150 W. NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $47 | — | $47 | 0.18% |
| THOMAS J POPPERT3 Filed as: THOMAS M. SOBIESKI | 1304 MANCHESTER CT MURRELLS INLET, SC 29576 | AFLAC | $40 | — | $40 | 0.16% |
| TRUDY MARCELLINO3 | 14718 PLANTATION OAK DR HOUSTON, TX 77379 | AFLAC | $37 | — | $37 | 0.14% |
| JEFFREY C WEST3 Filed as: JEFFREY C. WEST | 17403 WIDEMORE PL SPRING, TX 77379 | AFLAC | $31 | — | $31 | 0.12% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1325 MOUNT HERMON ROAD STE 13B SALISBURY, MD 21804 | AFLAC | $29 | — | $29 | 0.11% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON RD 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $19 | — | $19 | 0.07% |
| METZGER ASSOCIATES INC3 Filed as: METZGER ASSOCIATES INC. | 16295 CLARITY ROAD ALPHARETTA, GA 30004 | AFLAC | $17 | — | $17 | 0.07% |
| DORA BOSTICK3 | 1325 MOUNT HERMON ROAD STE 13B SALISBURY, MD 21804 | AFLAC | $16 | — | $16 | 0.06% |
| KENNETH B COFER3 Filed as: KENNETH B. COFFER | 5950 SYMPHONY WOODS ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $10 | — | $10 | 0.04% |
| THOMAS METZGER3 Filed as: THOMAS D. METZGER | 1083 E. COTTONWOOD WAY PALATINE, IL 60074 | AFLAC | $9 | — | $9 | 0.04% |
| JOHNSON STERLING PAUL & CO3 Filed as: JOHNSON STERLING PAUL BENEFITS, INC | 2801 HIGHWAY 280 SOUTH, SUITE 500 BIRMINGHAM, AL 35223 | ZURICH AMERICAN INSURANCE COMPANY | $966 | — | $966 | 14.99% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE RD ATLANTA, GA 30305 | THE PAUL REVERE LIFE INSURANCE COMPANY | $274 | — | $274 | 4.66% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | THE PAUL REVERE LIFE INSURANCE COMPANY | $211 | $33 | $244 | 4.15% |
| LAURIE J BURNS3 Filed as: LAURIE J. BURNS | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | THE PAUL REVERE LIFE INSURANCE COMPANY | $139 | $13 | $152 | 2.58% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 WEST SAN RAFAEL STREET TAMPA, FL 33629 | THE PAUL REVERE LIFE INSURANCE COMPANY | $105 | $30 | $135 | 2.30% |
| JAMEL WRIGHT3 | 341 MIDWOOD ST BROOKLYN, NY 11225 | THE PAUL REVERE LIFE INSURANCE COMPANY | $55 | — | $55 | 0.94% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL AND ASSOCIATES INC. | KLINGBEIL AND ASSOCIATES ATLANTA, GA 30328 | THE PAUL REVERE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.82% |
| PLM SOLUTIONS INC3 Filed as: PLM SOLUTIONS INC. | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.73% |
| L H GUEST ASSOCIATES INC3 | P.O. BOX 141 LAKEMONT, GA 30552 | LIFE INSURANCE COMPANY OF NORTH AMERICA CIGNA | $598 | — | $598 | 14.99% |
| DAVID CRITTENDEN3 | 292 OGDEN AVE TEANECK, NJ 07666 | AFLAC | $55 | — | $55 | 2.88% |
| KOBER ASSOCIATES LLC3 | 214-25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $40 | — | $40 | 2.10% |
| BART G. TRULOCK3 | 2838 HILLCREEK DR AUGUSTA, GA 30909 | AFLAC | $39 | — | $39 | 2.05% |
| STEPHEN N. WHITE3 | 214-25 42ND AVE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $26 | — | $26 | 1.36% |
| KERRY C EZZELL3 Filed as: KERRY CURTIS EZZELL | PO BOX 15074 AUGUSTA, GA 30919 | AFLAC | $21 | — | $21 | 1.10% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVENUE STE 507 WHITESTONE, NY 11357 | AFLAC | $20 | — | $20 | 1.05% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $12 | — | $12 | 0.63% |
| DANIEL FITZGERALD INC3 Filed as: DANIEL S. FITZGERALD | 3672 BAY PT AUGUSTA, GA 30907 | AFLAC | $11 | — | $11 | 0.58% |
| DAVID RYWELSKI3 | 199 WATER ST FL 23 NEW YORK, NY 10038 | AFLAC | $7 | — | $7 | 0.37% |
| DAVID RYWELSKI3 | 720 GREENWICH ST APT 1T NEW YORK, NY 10014 | AFLAC | $6 | — | $6 | 0.31% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS R. GIDDENS | 1344 MARIETTA COUNTRY CLUB DRIVE NW KENNESAW, GA 30152 | AFLAC | $4 | — | $4 | 0.21% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M. WARDLAW JR | 368 WEST PIKE ST STE 207 LAWRENCEVILLE, GA 30048 | AFLAC | $1 | — | $1 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONNECTICUT GENERAL LIFE INSURANCE EIN 59-1031071 NONE | Claims processing; Contract Administrator; Direct payment from the plan; Participant communication; Float revenue; Other services; Non-monetary compensation; Named fiduciary Service code 12 | — | $1.1M |
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 | 1,847 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,847 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CONNECTICUT GENERAL LIFE INSURANCE CO. | 1,461 | $1.5M |
| Dental(2 contracts, 2 carriers) | CONNECTICUT GENERAL LIFE INSURANCE CO. | 1,412 | $1.0M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,125 | $115K |
| Life insurance(4 contracts, 3 carriers) | CONNECTICUT GENERAL LIFE INSURANCE CO. | 1,617 | $2.1M |
| Short-term disability | CONNECTICUT GENERAL LIFE INSURANCE CO. | 91 | $1.0M |
| Long-term disability | CONNECTICUT GENERAL LIFE INSURANCE CO. | 91 | $1.0M |
| Prescription drug | CAREMARK PHARMACEUTICAL SERVICES GROUP | 1,753 | $0 |
| Stop-loss / reinsurancereinsurance | CONNECTICUT GENERAL LIFE INSURANCE COMPANY | 1,461 | $500K |
| Other(7 contracts, 7 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 1,847 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,847 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.