| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: RANDALL WATERS AND VARIOUS AGENTS | 8453 MIDDLE RIVER WAY NORTH CHARLESTON, SC 29420 | AFLAC | $9K | $26 | $9K | 6.19% |
| SJR INSURANCE LLC3 Filed as: SJR INSURANCE, LLC | 3732 UPLAND DRIVE MARIETTA, GA 30066 | AFLAC | $6K | $432 | $7K | 4.80% |
| JANET R WATERS3 Filed as: JANET WATERS | 1878 FOREST GLEN WAY SAINT AUGUSTINE, FL 32092 | AFLAC | $3K | — | $3K | 1.86% |
| DIANE GRABIAK3 | 5576 HOWLAND COURT DUNWOODY, GA 30338 | AFLAC | $2K | — | $2K | 1.64% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M. WARDLAW JR. | 5300 OAKBROOK PARKWAY, SUITE 350 NORCROSS, GA 30093 | AFLAC | $977 | $91 | $1K | 0.77% |
| DIANE F HUNDLEY3 Filed as: DIANE HUNDLEY | 1618 HOLLY LAKE COVE SNELLVILLE, GA 30078 | AFLAC | $685 | $55 | $740 | 0.53% |
| GAILYA ANDERSON3 | 580 HAWTHORNE DRIVE FAYETTEVILLE, GA 30214 | AFLAC | $687 | — | $687 | 0.50% |
| SJR INSURANCE LLC3 Filed as: SJR INSURANCE, LLC | 3732 UPLAND DRIVE MARIETTA, GA 30068 | AFLAC | $10K | $285 | $10K | 9.21% |
| JEFFREY TAYLOR3 Filed as: JEFFREY S. TAYLOR AND OTHER AGENTS | 820 WHITE OAK DRIVE NEWNAN, GA 30265 | AFLAC | $3K | — | $3K | 2.64% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M. WARDLAW JR. | 5300 OAKBROOK PARKWAY, SUITE 300 NORCROSS, GA 30093 | AFLAC | $1K | $71 | $1K | 1.26% |
| DIANE F HUNDLEY3 Filed as: DIANE F. HUNDLEY | 1618 HOLLY LAKE COVE SNELLVILLE, GA 30078 | AFLAC | $841 | $93 | $934 | 0.86% |
| RICHARD W GRABIAK3 Filed as: RICHARD W. GRABIAK | 5576 HOWLAND COURT DUNWOODY, GA 30338 | AFLAC | $860 | — | $860 | 0.79% |
| GREGORY DALE3 Filed as: GREGORY SCOTT DALE | 660 MCWHORTER ROAD STEPHENS, GA 30667 | AFLAC | $789 | — | $789 | 0.73% |
| GEORGE WALTER DAVENPORT3 | 12135 GREENMONT WALK ALPHARETTA, GA 30009 | AFLAC | $749 | — | $749 | 0.69% |
| SJR INSURANCE LLC3 Filed as: SJR INSURANCE, LLC | 3732 UPLAND DRIVE MARIETTA, GA 30066 | AFLAC | $3K | $39 | $3K | 13.75% |
| GEORGE WALTER DAVENPORT3 | 12135 GREENMONT WALK ALPHARETTA, GA 30009 | AFLAC | $584 | — | $584 | 2.84% |
| WILLIAM M WARDLAW JR3 Filed as: WILLIAM M. WARDLAW JR. | 5300 OAKBROOK PARKWAY, SUITE 300 NORCROSS, GA 30093 | AFLAC | $433 | $13 | $446 | 2.17% |
| MJ INSURANCE3 Filed as: LINDA WILLIAMSON AND VARIOUS AGENTS | 5037 BROOKSIDE COURT ALPHARETTA, GA 30004 | AFLAC | $402 | $13 | $415 | 2.02% |
| RICHARD W GRABIAK3 Filed as: RICHARD W. GRABIAK | 5576 HOWLAND COURT DUNWOODY, GA 30338 | AFLAC | $255 | — | $255 | 1.24% |
| DIANE F HUNDLEY3 Filed as: DIANE F. HUNDLEY | 1618 HOLLY LAKE COVE SNELLVILLE, GA 30078 | AFLAC | $195 | — | $195 | 0.95% |
| JEFFREY S TAYLOR3 Filed as: JEFFREY S. TAYLOR | 820 WHITE OAK DRIVE NEWNAN, GA 30265 | AFLAC | $177 | — | $177 | 0.86% |
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 | 506 | 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) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | AFLAC | 173 | $108K |
| Other(2 contracts) | AFLAC | 280 | $159K |
| 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.