| 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 | $60K | $12K | $72K | 12.00% |
| 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 | 1.24% |
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $70K | $0 | $70K | 15.00% |
| 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 | 1.18% |
| J S BENEFITS INC3 Filed as: J S BENEFITS, INC. | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | JOHN HANCOCK LIFE INSURANCE COMPANY | $20K | — | $20K | 12.97% |
| JS BENEFITS INC3 Filed as: JS BENEFITS, INC. | 3800 COLONNADE PKWY #540 BIRMINGHAM, AL 35243 | GENWORTH LIFE INSURANCE COMPANY | $10K | — | $10K | 8.25% |
| LTCI PARTNERS LLC3 | 2924 MARKETPLACE DRIVE # 102 MADISON, WI 537195332 | GENWORTH LIFE INSURANCE COMPANY | $7K | — | $7K | 5.75% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $630 | $3K | 3.90% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE RD ATLANTA, GA 30305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.04% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3500 LENOX ROAD ATLANTA, GA 30326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.74% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 WEST SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $852 | $135 | $987 | 1.35% |
| LAURIE J BURNS3 Filed as: LAURIE J. BURNS | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $663 | $28 | $691 | 0.94% |
| PLM SOLUTIONS INC3 | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $467 | — | $467 | 0.64% |
| C MARIE ADAMS VOLK3 Filed as: C. MARIE ADAMS VOLK | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $325 | $88 | $413 | 0.56% |
| EMLYN MARSTELLER IV3 Filed as: EMLYN H. MARSTELLER IV | 412 SUGARLAND MEADOW DRIVE HERNDAN, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $238 | — | $238 | 0.32% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $213 | $18 | $231 | 0.32% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $71 | $193 | 0.26% |
| KLINGBEIL AND ASSOCIATES INC3 | 6000 LAKE FOREST DRIVE ATLANTA, GA 30328 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 0.14% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.07% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DRIVE SOUTH SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $1 | $6 | 0.01% |
| PATRICIA L CARON3 Filed as: PATRICIA L. CARON | 190 TESUQUE VILLAGE ROAD SANTA FE, NM 87506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| UN HUI SMITH3 | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| 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 | — | $957 | $957 | 1.71% |
| ECP BENEFITS3 | 2838 HILLCREEK DR AUGUSTA, GA 30907 | AFLAC | $726 | — | $726 | 2.78% |
| WENDY M RANKIN3 Filed as: WENDY M. RANKIN | 990 PEBBLESTONE COURT ALPHARETTA, GA 30004 | AFLAC | $553 | — | $553 | 2.12% |
| BART G. TRULOCK3 | 2838 HILLCREEK DR AUGUSTA, GA 30909 | AFLAC | $346 | — | $346 | 1.32% |
| KERRY C EZZELL3 Filed as: KERRY C. EZZELL | POST OFFICE BOX 15074 AUGUSTA, GA 30919 | AFLAC | $275 | — | $275 | 1.05% |
| DANIEL FITZGERALD INC3 Filed as: DANIEL S. FITZGERALD | 3672 BAY PT AUGUSTA, GA 30907 | AFLAC | $178 | — | $178 | 0.68% |
| THOMAS ROBERT GIDDENS3 | P.O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $173 | — | $173 | 0.66% |
| STEPHEN KALLOCK3 Filed as: STEPHEN G. KALLOCK | 703 OXFORD COVE CANTON, GA 30115 | AFLAC | $166 | — | $166 | 0.64% |
| NICOLE M. DUNCAN3 | 5219 SUMMERFIELD LANE SPRING, TX 77379 | AFLAC | $158 | — | $158 | 0.60% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | 616 CYPRESS CREEK PKWY STE 101 HOUSTON, TX 77090 | AFLAC | $142 | — | $142 | 0.54% |
| JEFFREY S TAYLOR3 Filed as: JEFFREY S. TAYLOR | 820 WHITE OAK DRIVE NEWNAN, GA 30265 | AFLAC | $115 | — | $115 | 0.44% |
| DAWN JOHNSON3 Filed as: DAWN M. JOHNSON | PO BOX 982 CLARKSBURG, MD 20871 | AFLAC | $102 | — | $102 | 0.39% |
| CHAD HAINES3 Filed as: CHAD W. HAINES | 104 HUNTERS TRAIL CONROE, TX 77304 | AFLAC | $95 | — | $95 | 0.36% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | 322 SPRING HILL DR STE A800 SPRING, TX 77386 | AFLAC | $94 | — | $94 | 0.36% |
| ROBYN M. MORGAN3 | 4008 TIFFANY SQUARE67 ALPHARETTA, GA 30009 | AFLAC | $67 | — | $67 | 0.26% |
| JOHN M JOHNSON3 Filed as: JOHN M. JOHNSON | 2150 W. NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $52 | — | $52 | 0.20% |
| TRUDY MARCELLINO3 | 14718 PLANTATION OAK DR HOUSTON, TX 77379 | AFLAC | $41 | — | $41 | 0.16% |
| THOMAS J POPPERT3 Filed as: THOMAS M. SOBIESKI | 1304 MANCHESTER CT MURRELLS INLET, SC 29576 | AFLAC | $37 | — | $37 | 0.14% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1325 MOUNT HERMON ROAD STE 13B SALISBURY, MD 21804 | AFLAC | $29 | — | $29 | 0.11% |
| JEFFREY C WEST3 Filed as: JEFFREY C. WEST | 21801 NORTHCREST DRIVE APT 2217 SPRING, TX 77388 | AFLAC | $20 | — | $20 | 0.08% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON RD 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $19 | — | $19 | 0.07% |
| JEFFREY C WEST3 Filed as: JEFFREY C. WEST | 17403 WIDEMORE PL SPRING, TX 77379 | AFLAC | $14 | — | $14 | 0.05% |
| DORA BOSTICK3 | 1620 S. DITMAR ST OCEANSIDE, CA 92054 | AFLAC | $14 | — | $14 | 0.05% |
| METZGER ASSOCIATES INC3 Filed as: METZGER ASSOCIATES INC. | 16295 CLARITY ROAD ALPHARETTA, GA 30004 | AFLAC | $11 | — | $11 | 0.04% |
| KENNETH B COFER3 Filed as: KENNETH B. COFFER | 5950 SYMPHONY WOODS ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $10 | — | $10 | 0.04% |
| GEORGE WALTER DAVENPORT3 | 12135 GREENMONT WALK ALPHARETTA, GA 30009 | AFLAC | $7 | — | $7 | 0.03% |
| THOMAS METZGER3 Filed as: THOMAS D. METZGER | 1083 E. COTTONWOOD WAY PALATINE, IL 60074 | AFLAC | $6 | — | $6 | 0.02% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUNTINGTON BEACH, CA 92646 | AFLAC | $5 | — | $5 | 0.02% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTSVILLE, MD 21104 | AFLAC | $5 | — | $5 | 0.02% |
| DORA BOSTICK3 | 1325 MOUNT HERMON ROAD STE 13B SALISBURY, MD 21804 | AFLAC | $4 | — | $4 | 0.02% |
| DEBORAH B SMITH3 Filed as: DEBORAH B. SMITH | 4720 TWIN OAKS DRIVE NW KENNESAW, GA 30152 | AFLAC | $3 | — | $3 | 0.01% |
| ALLISONFARRIS WENDELBERGER3 | 1839 YGNACIO VALLEY RD SUITE 393 WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M. WARDLAW | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $1 | — | $1 | 0.00% |
| PAULA COLLINS3 Filed as: PAULA K. COLLINS | 11107 BOBCAT PL NE ALBUQUERQUE, NM 87122 | AFLAC | $1 | — | $1 | 0.00% |
| JOHNSON STERLING PAUL & CO3 Filed as: JOHNSON STERLING PAUL BENEFITS, INC | 2801 HIGHWAY 280 SOUTH, SUITE 500 BIRMINGHAM, AL 35223 | ZURICH AMERICAN INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | THE PAUL REVERE LIFE INSURANCE COMPANY | $176 | $12 | $188 | 2.99% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE RD ATLANTA, GA 30305 | THE PAUL REVERE LIFE INSURANCE COMPANY | $132 | — | $132 | 2.10% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 WEST SAN RAFAEL STREET TAMPA, FL 33629 | THE PAUL REVERE LIFE INSURANCE COMPANY | $84 | $8 | $92 | 1.46% |
| LAURIE J BURNS3 Filed as: LAURIE J. BURNS | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | THE PAUL REVERE LIFE INSURANCE COMPANY | $52 | — | $52 | 0.83% |
| JAMEL WRIGHT3 | 1517 RIVERSIDE STATION BLVD SECAUCUS, NJ 07094 | THE PAUL REVERE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.81% |
| PLM SOLUTIONS INC3 Filed as: PLM SOLUTIONS INC. | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.64% |
| KLINGBEIL AND ASSOCIATES INC3 Filed as: KLINGBEIL AND ASSOCIATES INC. | 6000 LAKE FORREST DRIVE ATLANTA, GA 30328 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.11% |
| L H GUEST ASSOCIATES INC3 | P.O. BOX 141 LAKEMONT, GA 30552 | LIFE INSURANCE COMPANY OF NORTH AMERICA CIGNA | $464 | — | $464 | 15.01% |
| DAVID CRITTENDEN3 | 292 OGDEN AVE TEANECK, NJ 07666 | AFLAC | $61 | — | $61 | 3.35% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $59 | — | $59 | 3.24% |
| BART G. TRULOCK3 | 2838 HILLCREEK DR AUGUSTA, GA 30909 | AFLAC | $37 | — | $37 | 2.03% |
| STEPHEN N. WHITE3 | 214-25 42ND AVE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $25 | — | $25 | 1.37% |
| KERRY C EZZELL3 Filed as: KERRY CURTIS EZZELL | PO BOX 15074 AUGUSTA, GA 30919 | AFLAC | $20 | — | $20 | 1.10% |
| DANIEL FITZGERALD INC3 Filed as: DANIEL S. FITZGERALD | 3672 BAY PT AUGUSTA, GA 30907 | AFLAC | $11 | — | $11 | 0.60% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $11 | — | $11 | 0.60% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS R. GIDDENS | 1344 MARIETTA COUNTRY CLUB DRIVE NW KENNESAW, GA 30152 | AFLAC | $3 | — | $3 | 0.16% |
| DAVID RYWELSKI3 | 720 GREENWICH ST APT 1T NEW YORK, NY 10014 | AFLAC | $3 | — | $3 | 0.16% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M. WARDLAW JR | 368 WEST PIKE ST STE 207 LAWRENCEVILLE, GA 30046 | AFLAC | $1 | — | $1 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONNECTICUT GENERAL LIFE INSURANCE EIN 59-1031071 NONE | Non-monetary compensation; Claims processing; Contract Administrator; Named fiduciary; Float revenue; Participant communication; Other services; Direct payment from the plan Service code 12 | — | $1.2M |
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 | 1,780 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,495 | $2.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,449 | $1.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,190 | $123K |
| Life insurance(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,601 | $2.6M |
| Short-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 94 | $1.6M |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 94 | $1.6M |
| Prescription drug | CAREMARK PHARMACEUTICAL SERVICES GROUP | 1,847 | $0 |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA | 1,495 | $580K |
| Other(7 contracts, 7 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 1,780 | $443K |
| 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."
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.