| 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 | $70K | $3K | $73K | 10.43% |
| 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 | — | $8K | $8K | 1.20% |
| JS BENEFITS INC3 Filed as: JS BENEFITS INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $75K | $3K | $78K | 15.60% |
| 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 | — | $6K | $6K | 1.20% |
| JS BENEFITS INC3 | 2200 LAKE SHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | HARTFORD LIFE AND ACCIDENT | $18K | — | $18K | 10.24% |
| J S BENEFITS INC3 Filed as: J S BENEFITS, INC. | 3800 COLONNADE PARKWAY SUITE 540 BIRMINGHAM, AL 35243 | JOHN HANCOCK LIFE INSURANCE COMPANY | $22K | — | $22K | 13.04% |
| JS BENEFITS INC3 Filed as: JS BENEFITS, INC. | 2200 LAKESHORE DRIVE SUITE 215 BIRMINGHAM, AL 35209 | GENWORTH LIFE INSURANCE COMPANY | $8K | — | $8K | 6.73% |
| LTCI PARTNERS LLC3 | 100 FIELD DRIVE SUITE 310 LAKE FOREST, IL 60045 | GENWORTH LIFE INSURANCE COMPANY | $6K | — | $6K | 5.08% |
| KLD INSURANCE BENEFITS INC3 Filed as: KLD INSURANCE BENEFITS | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $188 | $2K | 2.88% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE RD ATLANTA, GA 30305 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 2.57% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3500 LENOX ROAD ATLANTA, GA 30326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $850 | — | $850 | 1.40% |
| PATRICIA A DUNCAN3 | 520 WHEATFIELD RD. FRANKLIN, NC 28734 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $473 | $79 | $552 | 0.91% |
| NORMAC SOLUTIONS INC3 | 3730 EVEREST DR MONTGOMERY, AL 36106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $311 | $63 | $374 | 0.62% |
| PLM SOLUTIONS INC3 | 557 GRAVES ROAD WEDOWEE, AL 36278 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $329 | — | $329 | 0.54% |
| LAURIE L SMITH3 Filed as: LAURIE BURNS | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | — | $275 | 0.45% |
| AMY E COHEN3 | 19967 VILLA LANTE PLACE BOCA RATON, FL 33434 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $182 | $34 | $216 | 0.36% |
| EMLYN MARSTELLER IV3 | 412 SUGARLAND MEADOW DR HERNDON, VA 20170 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 0.29% |
| KERRI DOUGLASS3 | 9085 BETHEL RD GAINESVILLE, GA 30506 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $85 | $51 | $136 | 0.22% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1500 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $31 | $102 | 0.17% |
| EOB CONSULTING LLC3 | 2500 NORTHWINDS PARKWAY ALPHARETTA, GA 30009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $50 | $71 | 0.12% |
| C ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.11% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 W SAN RAFAEL ST TAMPA, FL 33629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 0.11% |
| KYLE RUSSEY3 | 6921 E. WEDGEWOOD AVE DAVIE, FL 33331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $22 | $48 | 0.08% |
| BARBARA J LAKE3 | 226 N HIGH ST MORRISTOWN, IN 46161 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $5 | $48 | 0.08% |
| CAROLE H WARREN3 | 1300 27TH PLACE SOUTH BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.03% |
| TULLY AND COMPANY INC3 | 1926 STONE BRIDGE LANE MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.02% |
| CAROL BARNES3 | 2561 FALCON RIDGE DRIVE GRAYSON, GA 30017 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $1 | $8 | 0.01% |
| JOE GORDON3 | 5417 WINTHROP AVE INDIANAPOLIS, IN 46220 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $4 | $7 | 0.01% |
| JEFFREY D BRINDLE3 | 10811 LAKEVIEW DRIVE CARMEL, IN 46033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| PATRICIA L CARON3 | 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% |
| BROCKSTAR LLC3 | 2561 FALCON RIDGE DRIVE GRAYSON, GA 30017 | 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 | $8K | $369 | $8K | 15.72% |
| 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 | — | $616 | $616 | 1.20% |
| ECP BENEFITS3 | 2838 HILLCREEK DR AUGUSTA, GA 30907 | AFLAC | $740 | — | $740 | 2.77% |
| WENDY M RANKIN3 Filed as: WENDY M. RANKIN | 114 BROAD STREET STE 201 ROME, GA 30161 | AFLAC | $508 | — | $508 | 1.90% |
| BART G. TRULOCK3 | 2838 HILLCREEK DR AUGUSTA, GA 30909 | AFLAC | $376 | — | $376 | 1.41% |
| KERRY C EZZELL3 Filed as: KERRY C. EZZELL | POST OFFICE BOX 15074 AUGUSTA, GA 30919 | AFLAC | $286 | — | $286 | 1.07% |
| DEBRA L SCHMIDT3 Filed as: DEBRA L. SCHMIDT | 616 CYPRESS CREEK PARKWAY STE 101 KENNESAW, GA 30156 | AFLAC | $251 | — | $251 | 0.94% |
| DANIEL FITZGERALD INC3 Filed as: DANIEL S. FITZGERALD | 3672 BAY PT AUGUSTA, GA 30907 | AFLAC | $185 | — | $185 | 0.69% |
| NICOLE M. DUNCAN3 | 19415 DIANSHIRE DRIVE SPRING, TX 77388 | AFLAC | $179 | — | $179 | 0.67% |
| THOMAS ROBERT GIDDENS3 | P.O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $170 | — | $170 | 0.64% |
| STEPHEN KALLOCK3 Filed as: STEPHEN G. KALLOCK | 703 OXFORD COVE CANTON, GA 30115 | AFLAC | $157 | — | $157 | 0.59% |
| DAWN JOHNSON3 Filed as: DAWN M. JOHNSON | PO BOX 982 CLARKSBURG, MD 20871 | AFLAC | $122 | — | $122 | 0.46% |
| JEFFREY S TAYLOR3 Filed as: JEFFREY S. TAYLOR | 820 WHITE OAK DRIVE NEWNAN, GA 30265 | AFLAC | $110 | — | $110 | 0.41% |
| CHAD HAINES3 Filed as: CHAD W. HAINES | 108 WROXTON DRIVE CONROE, TX 77304 | AFLAC | $88 | — | $88 | 0.33% |
| ROBYN M. MORGAN3 | 1655 OAK FARM DRIVE APT 8231 ALPHARETTA, GA 30005 | AFLAC | $74 | — | $74 | 0.28% |
| TRUDY MARCELLINO3 | 14718 PLANTATION OAK DR HOUSTON, TX 77379 | AFLAC | $49 | — | $49 | 0.18% |
| JOHN M JOHNSON3 | 2150 W. NORTHWEST HWY STE 114 GRAPEVINE, TX 76051 | AFLAC | $49 | — | $49 | 0.18% |
| THOMAS J POPPERT3 Filed as: THOMAS M. SOBIESKI | 1304 MANCHESTER CT MURRELLS INLET, SC 29576 | AFLAC | $45 | — | $45 | 0.17% |
| JEFFREY C WEST3 Filed as: JEFFREY C. WEST | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $37 | — | $37 | 0.14% |
| SHEM J BOSTICK3 Filed as: SHEM J. BOSTICK | 1620 S DITMAR STREET STE 13B OCEANSIDE, CA 92054 | AFLAC | $35 | — | $35 | 0.13% |
| DORA BOSTICK3 | 1620 S. DITMAR STREET OCEANSIDE, CA 92054 | AFLAC | $21 | — | $21 | 0.08% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON RD 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $19 | — | $19 | 0.07% |
| DEBORAH B SMITH3 Filed as: DEBORAH B. SMITH | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $16 | — | $16 | 0.06% |
| KENNETH B COFER3 | 5950 SYMPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $12 | — | $12 | 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 | $8 | — | $8 | 0.03% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $6 | — | $6 | 0.02% |
| MELYNDA RAY-MCCUTCHEON3 Filed as: MELYNDA RAY MCCUTCHEON | 1150 MALLARD LAKE DRIVE BOGART, GA 30622 | AFLAC | $6 | — | $6 | 0.02% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTSVILLE, MD 21104 | AFLAC | $6 | — | $6 | 0.02% |
| PAULA COLLINS3 Filed as: PAULA K. COLLINS | 11107 BOBCAT PL NE ALBUQUERQUE, NM 87122 | AFLAC | $2 | — | $2 | 0.01% |
| LAURIE LYNN WEST3 | 2466 FM 1697 LEDBETTER, TX 78946 | AFLAC | $2 | — | $2 | 0.01% |
| 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% |
| JOHNSON STERLING PAUL & CO3 Filed as: JOHNSON STERLING PAUL BENEFITS, INC | 2801 HIGHWAY 280 SUITE 500 BIRMGINGHAM, 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 | $115 | — | $115 | 2.32% |
| FALLON BENEFITS GROUP INC.3 Filed as: FALLON BENEFITS GROUP INC | 3060 PEACHTREE RD ATLANTA, GA 30305 | THE PAUL REVERE LIFE INSURANCE COMPANY | $51 | — | $51 | 1.03% |
| LAURIE J BURNS3 Filed as: LAURIE J. BURNS | 303 PLYLER ROAD INDIAN TRAIL, NC 28079 | THE PAUL REVERE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.89% |
| JAMEL WRIGHT3 | 138 SCOLES AVENUE CLIFTON, NJ 07012 | THE PAUL REVERE LIFE INSURANCE COMPANY | $36 | — | $36 | 0.73% |
| PLM SOLUTIONS INC3 Filed as: PLM SOLUTIONS INC. | 3244 WINTERBERRY CIRCLE MARIETTA, GA 30062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.63% |
| ASSUREDPARTNERS3 Filed as: JENNIFER ROSE SMITH | 4920 WEST SAN RAFAEL STREET TAMPA, FL 33629 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.30% |
| NORMAC SOLUTIONS INC3 Filed as: NORMAC SOLUTIONS INC. | 3730 EVEREST DRIVE MONTGOMERY, AL 36106 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.16% |
| C MARIE ADAMS VOLK3 | 2295 OLD ORCHARD DRIVE MARIETTA, GA 30068 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.16% |
| L H GUEST ASSOCIATES INC3 | P.O. BOX 141 LAKEMONT, GA 30552 | LIFE INSURANCE COMPANY OF NORTH AMERICA CIGNA | $343 | — | $343 | 15.02% |
| DAVID CRITTENDEN3 | 20 WHITEGRASS WAY GRAYSON, GA 30017 | AFLAC | $74 | — | $74 | 3.54% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $68 | — | $68 | 3.25% |
| BART G. TRULOCK3 | 2838 HILLCREEK DR AUGUSTA, GA 30909 | AFLAC | $43 | — | $43 | 2.05% |
| STEPHEN WHITE3 Filed as: STEPHEN P. WHITE | 5 EMERALD LN MONTEBELLO, NY 10901 | AFLAC | $29 | — | $29 | 1.39% |
| KERRY C EZZELL3 Filed as: KERRY CURTIS EZZELL | PO BOX 15074 AUGUSTA, GA 30919 | AFLAC | $23 | — | $23 | 1.10% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP. | 401 FRANKLIN AVENUE STE 312 GARDEN CITY, NY 11530 | AFLAC | $12 | — | $12 | 0.57% |
| DANIEL FITZGERALD INC3 Filed as: DANIEL S. FITZGERALD | 3672 BAY PT AUGUSTA, GA 30907 | AFLAC | $12 | — | $12 | 0.57% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS R. GIDDENS | PO BOX 2517 KENNESAW, GA 30152 | AFLAC | $4 | — | $4 | 0.19% |
| 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% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 TPA | Other services; Participant communication; Direct payment from the plan; Claims processing; Non-monetary compensation; Float revenue; Named fiduciary; Contract Administrator Service code 12 | — | $1.5M |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 TPA | Claims processing Service code 12 | — | $31K |
| CIGNA | Named fiduciary; Contract Administrator; Direct payment from the plan; Float revenue; Non-monetary compensation; Claims processing; Participant communication; Other services Service code 12 | — | $0 |
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 | 2,066 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,090 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,619 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 160 | $1.8M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,219 | $120K |
| Life insurance(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,790 | $3.0M |
| Long-term disability(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 170 | $2.0M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 1,619 | $743K |
| Other(11 contracts, 9 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,066 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,066 | — |
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.