| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: FOX/EVERETT DIVISION OF HUB | 300 CONCOURSE BOULEVARD SUITE 300 RIDGELAND, MS 39157 | ROUNDSTONE REINSURANCE/NATIONWIDE | $51K | — | $51K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD | PO BOX 6650 METAIRE, LA 70009 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $21K | $8K | $29K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.15% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 BUILDING I SUITE 100 AUSTIN, TX 78766 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 3.42% |
| JOHN MANN JR3 Filed as: JOHN FRANKLIN MANN JR | 3417 HICKORY WOODS TRAIL MARIETTA, GA 30066 | AFLAC | $2K | — | $2K | 3.91% |
| KATHLEEN T BENES3 | 103 AVERY DRIVE TALKING ROCK, GA 30175 | AFLAC | $2K | $50 | $2K | 3.70% |
| JOHN P KOWN II3 | 430 DAVIS CARNES LANE NW MARIETTA, GA 30064 | AFLAC | $403 | $12 | $415 | 0.86% |
| KAMERON C WESLEY3 | 5286 TERNHILL WAY POWDER SPRINGS, GA 30127 | AFLAC | $367 | — | $367 | 0.76% |
| WILLIAM M MANN3 | 1575 RIDENOUR PARKWAY NW KENNESAW, GA 30152 | AFLAC | $365 | — | $365 | 0.75% |
| PAUL A LEE3 | PO BOX 248 KENNESAW, GA 30156 | AFLAC | $210 | — | $210 | 0.43% |
| REX L BROOKS3 | PO BOX 893 FLORENCE, AL 35631 | AFLAC | $206 | — | $206 | 0.43% |
| DAVID C CLOUD JR3 | 12 TRENT DRIVE SE ROME, GA 30161 | AFLAC | $115 | — | $115 | 0.24% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW COURT SE MABLETON, GA 30126 | AFLAC | $70 | — | $70 | 0.14% |
| BENEFITS CONSULTING GROUP3 Filed as: BENEFITS CONSULTING GROUP INC | 270 COBB PARKWAY S SUITE 140 MARIETTA, GA 30060 | AFLAC | $45 | — | $45 | 0.09% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $33 | — | $33 | 0.07% |
| AMY A O SHIELDS3 | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | AFLAC | $27 | — | $27 | 0.06% |
| KATHERINE LATIMER3 | 5093 BOONE LINKS LANE COLUMBUS, GA 31909 | AFLAC | $11 | — | $11 | 0.02% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUNTINGTN BCH, CA 92646 | AFLAC | $11 | — | $11 | 0.02% |
| RONALD S SANDERS3 | 744 E DENIM TRAIL SAN TAN VALLEY, AZ 85143 | AFLAC | $10 | — | $10 | 0.02% |
| DEBORAH B SMITH3 | 5703 BRYNWOOD CIRCLE NW ACWORTH, GA 30101 | AFLAC | $4 | — | $4 | 0.01% |
| RICHARD MICHAEL TIDWELL3 | 5511 KINGSLEY MANOR CUMMING, GA 30041 | AFLAC | $4 | — | $4 | 0.01% |
| RYAN E MCPHAIL3 | 206 ARBOR COURT CANTON, GA 30114 | AFLAC | $3 | — | $3 | 0.01% |
| PAUL SHELBY AMOS II3 | 6801 RIVER ROAD SUITE 2100 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
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 | 87 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 89 | $191K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 89 | $191K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 89 | $191K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 89 | $191K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 89 | $191K |
| Stop-loss / reinsurancereinsurance | ROUNDSTONE REINSURANCE/NATIONWIDE | 94 | $343K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 89 | $240K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.