| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $68K | $21K | $89K | 13.11% |
| 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 | $8K | $8K | 1.13% |
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $72K | $21K | $93K | 19.37% |
| 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 | $6K | $6K | 1.22% |
| J S BENEFITS INC3 Filed as: J S BENEFITS, INC. | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | JOHN HANCOCK LIFE INSURANCE COMPANY | $10K | — | $10K | 6.51% |
| J S BENEFITS INC3 Filed as: J S BENEFITS, INC. | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | JOHN HANCOCK LIFE INSURANCE COMPANY | $10K | — | $10K | 6.51% |
| JS BENEFITS INC3 Filed as: JS BENEFITS, INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | GENWORTH LIFE INSURANCE COMPANY | $8K | — | $8K | 6.56% |
| LTCI PARTNERS LLC3 | 100 FIELD DRIVE SUITE 310 LAKE FOREST, IL 60045 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 5.22% |
| KLD INSURANCE BENEFITS INC3 | 9085 BETHEL ROAD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $362 | $2K | 3.25% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE RD ATLANTA, GA 30305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.03% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3500 LENOX ROAD ATLANTA, GA 30326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.63% |
| LAURIE J BURNS3 Filed as: LAURIE J. BURNS | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $673 | $5 | $678 | 1.04% |
| PLM SOLUTIONS INC3 | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $406 | — | $406 | 0.62% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $78 | $404 | 0.62% |
| EMLYN MARSTELLER IV3 Filed as: EMLYN H. MARSTELLER IV | 412 SUGARLAND MEADOW DRIVE HERNDAN, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 0.31% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 WEST SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | — | $154 | 0.24% |
| AMY E COHEN3 Filed as: AMY E. COHEN | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $134 | $8 | $142 | 0.22% |
| C MARIE ADAMS VOLK3 Filed as: C. MARIE ADAMS VOLK | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | $10 | $107 | 0.16% |
| CAROL BARNES3 | 2561 FALCON RIDGE DRIVE GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | $8 | $62 | 0.09% |
| TULLY AND COMPANY INC3 Filed as: TULLY AND COMPANY INC. | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $44 | $10 | $54 | 0.08% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | $13 | $33 | 0.05% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $12 | $25 | 0.04% |
| CAROLE H WARREN3 Filed as: CAROLE H. WARREN | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| 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. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $10K | 19.78% |
| 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 | $699 | $699 | 1.42% |
| ECP BENEFITS3 | 2838 HILLCREEK DR AUGUSTA, GA 30907 | AFLAC | $758 | — | $758 | 2.83% |
| WENDY M RANKIN3 Filed as: WENDY M. RANKIN | 114 BROAD STREET STE 201 ROME, GA 30161 | AFLAC | $419 | — | $419 | 1.57% |
| BART G. TRULOCK3 | 2838 HILLCREEK DR AUGUSTA, GA 30909 | AFLAC | $354 | — | $354 | 1.32% |
| KERRY C EZZELL3 Filed as: KERRY C. EZZELL | POST OFFICE BOX 15074 AUGUSTA, GA 30919 | AFLAC | $285 | — | $285 | 1.06% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | 616 CYPRESS CREEK PARKWAY STE 101 KENNESAW, GA 30156 | AFLAC | $254 | — | $254 | 0.95% |
| DANIEL FITZGERALD INC3 Filed as: DANIEL S. FITZGERALD | 3672 BAY PT AUGUSTA, GA 30907 | AFLAC | $184 | — | $184 | 0.69% |
| NICOLE M. DUNCAN3 | 19415 DIANSHIRE DRIVE SPRING, TX 77388 | AFLAC | $174 | — | $174 | 0.65% |
| THOMAS ROBERT GIDDENS3 | P.O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $172 | — | $172 | 0.64% |
| STEPHEN KALLOCK3 Filed as: STEPHEN G. KALLOCK | 703 OXFORD COVE CANTON, GA 30115 | AFLAC | $161 | — | $161 | 0.60% |
| DAWN JOHNSON3 Filed as: DAWN M. JOHNSON | PO BOX 982 CLARKSBURG, MD 20871 | AFLAC | $112 | — | $112 | 0.42% |
| JEFFREY S TAYLOR3 Filed as: JEFFREY S. TAYLOR | 820 WHITE OAK DRIVE NEWNAN, GA 30265 | AFLAC | $112 | — | $112 | 0.42% |
| WENDY M RANKIN3 Filed as: WENDY M. RANKIN | 990 PEBBLESTONE CT ALPHARETTA, GA 30009 | AFLAC | $102 | — | $102 | 0.38% |
| CHAD HAINES3 Filed as: CHAD W. HAINES | 108 WROXTON DRIVE CONROE, TX 77304 | AFLAC | $102 | — | $102 | 0.38% |
| ROBYN M. MORGAN3 | 1655 OAK FARM DRIVE APT 8231 ALPHARETTA, GA 30005 | AFLAC | $74 | — | $74 | 0.28% |
| JOHN M JOHNSON3 Filed as: JOHN M. JOHNSON | 2150 W. NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $55 | — | $55 | 0.21% |
| TRUDY MARCELLINO3 | 14718 PLANTATION OAK DR HOUSTON, TX 77379 | AFLAC | $45 | — | $45 | 0.17% |
| THOMAS J POPPERT3 Filed as: THOMAS M. SOBIESKI | 1304 MANCHESTER CT MURRELLS INLET, SC 29576 | AFLAC | $42 | — | $42 | 0.16% |
| JEFFREY C WEST3 Filed as: JEFFREY C. WEST | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $37 | — | $37 | 0.14% |
| DORA BOSTICK3 | 1620 S. DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $20 | — | $20 | 0.07% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON RD 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $20 | — | $20 | 0.07% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1325 MOUNT HERMON RD STE 13B SALISBURY, MD 21804 | AFLAC | $18 | — | $18 | 0.07% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1620 S. DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $14 | — | $14 | 0.05% |
| KENNETH B COFER3 Filed as: KENNETH B. COFER | 5950 SYMPHONY WOODS ROAD STE 214 COLUMBIA, MD 21044 | AFLAC | $11 | — | $11 | 0.04% |
| DEBORAH B SMITH3 Filed as: DEBORAH B. SMITH | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $10 | — | $10 | 0.04% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUNTINGTON BEACH, CA 92646 | AFLAC | $8 | — | $8 | 0.03% |
| GEORGE WALTER DAVENPORT3 | 12135 GREENMONT WALK ALPHARETTA, GA 30009 | AFLAC | $7 | — | $7 | 0.03% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $6 | — | $6 | 0.02% |
| DEBORAH B SMITH3 Filed as: DEBORAH B. SMITH | 4720 TWIN OAKS DRIVE NW KENNESAW, GA 30152 | AFLAC | $6 | — | $6 | 0.02% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $5 | — | $5 | 0.02% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTSVILLE, MD 21104 | AFLAC | $5 | — | $5 | 0.02% |
| PAULA COLLINS3 Filed as: PAULA K. COLLINS | 11107 BOBCAT PL NE ALBUQUERQUE, NM 87122 | AFLAC | $3 | — | $3 | 0.01% |
| LAURIE LYNN WEST3 | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $1 | — | $1 | 0.00% |
| GREGORY D HILL3 Filed as: GREGORY D. HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES M PITZ3 Filed as: JAMES M. PITZ | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $1 | — | $1 | 0.00% |
| JEREMY A FELDMAN3 Filed as: JEREMY A. FELDMAN | 15324 SWEETBAY STREET WOODBINE, MD 21797 | 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% |
| JOHNSON STERLING PAUL & CO3 Filed as: JOHNSON STERLING PAUL BENEFITS, INC | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | 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 | $168 | $5 | $173 | 3.04% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE RD ATLANTA, GA 30305 | THE PAUL REVERE LIFE INSURANCE COMPANY | $146 | — | $146 | 2.56% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS INC. | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | THE PAUL REVERE LIFE INSURANCE COMPANY | $129 | $6 | $135 | 2.37% |
| LAURIE J BURNS3 Filed as: LAURIE J. BURNS | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | THE PAUL REVERE LIFE INSURANCE COMPANY | $98 | $1 | $99 | 1.74% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 WEST SAN RAFAEL STREET TAMPA, FL 33629 | THE PAUL REVERE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.79% |
| JAMEL WRIGHT3 | 1517 RIVERSIDE STATION BLVD SECAUCUS, NJ 07094 | THE PAUL REVERE LIFE INSURANCE COMPANY | $43 | — | $43 | 0.75% |
| PLM SOLUTIONS INC3 Filed as: PLM SOLUTIONS INC. | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.63% |
| C MARIE ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.05% |
| L H GUEST ASSOCIATES INC3 | P.O. BOX 141 LAKEMONT, GA 30552 | LIFE INSURANCE COMPANY OF NORTH AMERICA CIGNA | $458 | — | $458 | 15.00% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $62 | — | $62 | 3.23% |
| DAVID CRITTENDEN3 | 20 WHITEGRASS WAY GRAYSON, GA 30017 | AFLAC | $43 | — | $43 | 2.24% |
| BART G. TRULOCK3 | 2838 HILLCREEK DR AUGUSTA, GA 30909 | AFLAC | $39 | — | $39 | 2.03% |
| STEPHEN WHITE3 Filed as: STEPHEN P. WHITE | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $26 | — | $26 | 1.36% |
| DAVID CRITTENDEN3 | 292 OGDEN AVE TEANECK, NJ 07666 | AFLAC | $24 | — | $24 | 1.25% |
| KERRY C EZZELL3 Filed as: KERRY CURTIS EZZELL | PO BOX 15074 AUGUSTA, GA 30919 | AFLAC | $21 | — | $21 | 1.09% |
| DANIEL FITZGERALD INC3 Filed as: DANIEL S. FITZGERALD | 3672 BAY PT AUGUSTA, GA 30907 | AFLAC | $11 | — | $11 | 0.57% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVENUE STE 312 GARDEN CITY, NY 11530 | AFLAC | $11 | — | $11 | 0.57% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS R. GIDDENS | 1344 MARIETTA COUNTRY CLUB DRIVE NW KENNESAW, GA 30152 | AFLAC | $4 | — | $4 | 0.21% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE CORP | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $1 | — | $1 | 0.05% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M. WARDLAW JR | 368 WEST PIKE ST STE 207 LAWRENCEVILLE, GA 30046 | AFLAC | $1 | — | $1 | 0.05% |
| BRIAN WHITE3 | 6 COWDIN LANE CAPPAQUA, NY 10514 | AFLAC | $1 | — | $1 | 0.05% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M. MARZARI | 560 MARIETTA ST NW ATLANTA, GA 30313 | AFLAC | $1 | — | $1 | 0.05% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON ROAD 12TH FLOOR COLUMBUS, GA 31999 | AFLAC | $1 | — | $1 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Non-monetary compensation; Claims processing; Named fiduciary; Float revenue Service code 12 | — | $1.4M |
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 | 1,872 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,872 | 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 | 1,500 | $2.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,464 | $1.8M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,204 | $125K |
| Life insurance(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,646 | $3.0M |
| Short-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 223 | $1.8M |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 223 | $1.8M |
| Prescription drug | EXPRESS SCRIPTS | 1,872 | $0 |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA | 1,500 | $634K |
| Other(7 contracts, 7 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 1,872 | $431K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,872 | — |
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.