| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SJR INSURANCE LLC3 Filed as: SJR INSURANCE, LLC | 3732 UPLAND DRIVE MARIETTA, GA 30066 | AFLAC | $13K | $443 | $13K | 5.83% |
| MJ INSURANCE3 Filed as: DIANE HUNDLEY AND VARIOUS AGENTS | 1618 HOLLY LAKE CROVE SNELLVILLE, GA 30078 | AFLAC | $12K | $297 | $12K | 5.40% |
| RICHARD W GRABIAK3 Filed as: RICHARD W. GRABIAK | 5576 HOWLAND COURT DUNWOODY, GA 30338 | AFLAC | $3K | — | $3K | 1.22% |
| JANET R WATERS3 Filed as: JANET R. WATERS | 1878 FOREST GLEN WAY SAINT AUGUSTINE, FL 32092 | AFLAC | $2K | — | $2K | 1.06% |
| WIILIAM WARDLAW JR.3 | 5300 OAKBROOK PARKWAY, SUITE 350 BUILDING 300 NORCROSS, GA 30093 | AFLAC | $2K | $117 | $2K | 0.86% |
| GEORGE WALTER DAVENPORT3 | 12135 GREENMONT WALK ALPHARETTA, GA 30009 | AFLAC | $2K | — | $2K | 0.83% |
| GREGORY DALE3 Filed as: GREGORY SCOTT DALE | 6691 STONEHEDGE WAY STONE MOUNTAIN, GA 30087 | AFLAC | $1K | — | $1K | 0.65% |
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 | 350 | 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) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 280 | $230K |
| Other | AFLAC | 280 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.