| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH LTD. | PO BOX 6650 METAIRE, LA 70009 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $22K | $9K | $31K | 18.33% |
| GIS BENEFITS INC3 Filed as: GIS | — | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.48% |
| 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 | 4.00% |
| LESLIE F MORSE3 | 140 RIVER COURT PARKWAY ATLANTA, GA 30328 | AFLAC | $2K | $42 | $2K | 3.85% |
| JAMES ARTHUR HARBOUR3 Filed as: JAMES HARBOUR | 405 BARSCHALL DRIVE COLUMBUS, GA 31904 | AFLAC | $1K | — | $1K | 3.43% |
| FRAN C HARGARTEN III3 | 1140 MOSSY ROCK ROAD NORTHWEST KENNESAW, GA 30152 | AFLAC | $1K | $10 | $1K | 2.81% |
| MARIE MENZIES3 | 1750 SHILOH ROAD NORTHWEST APARTMENT 102 KENNESAW, GA 30144 | AFLAC | $585 | — | $585 | 1.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | AFLAC | $359 | — | $359 | 0.83% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744831 ATLANTA, GA 30374 | AFLAC | $352 | — | $352 | 0.81% |
| VANDON GIBBS3 | 12206 CICERO DRIVE ALPHARETTA, GA 30022 | AFLAC | $199 | — | $199 | 0.46% |
| ANGELICA SAMANIEGO3 | 792 NORTH STEELE DRIVE HAMPTON, GA 30228 | AFLAC | $175 | — | $175 | 0.40% |
| VELOCITY BENEFITS3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AFLAC | $157 | — | $157 | 0.36% |
| LINDA J MCCOY3 | 509 PINE STREET PALMETTO, GA 30268 | AFLAC | $93 | — | $93 | 0.21% |
| ANDY B GLENN II3 | 2999 DOUGLAS BOULEVARD SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $91 | — | $91 | 0.21% |
| THOMAS D BAXTER3 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $71 | — | $71 | 0.16% |
| MILLAN B TERRELL3 | 1299 BATTLECREEK ROAD SUITE 240 JONESBORO, GA 30236 | AFLAC | $63 | — | $63 | 0.15% |
| LISET P JUAN3 | 10714 ABERCORN STREET APARTEMENT 15B SAVANNAH, GA 31419 | AFLAC | $60 | — | $60 | 0.14% |
| REBEKAH ANN FERRELL3 | 517 VICEROY DRIVE POOLER, GA 31322 | AFLAC | $46 | — | $46 | 0.11% |
| DONNA N THOMAS3 | 71 MONTROSE LANE SHARPSBURG, GA 30277 | AFLAC | $33 | — | $33 | 0.08% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW COURT SOUTHEAST MABLETON, GA 30126 | AFLAC | $25 | — | $25 | 0.06% |
| STEPHANIE K NUCKOLLS3 | 284 KESWICK DRIVE CHATSWORTH, GA 30705 | AFLAC | $25 | — | $25 | 0.06% |
| LISA M MUSTO3 Filed as: LISA MARIE MUSTO | 921 MILL STREAM COURT SAVANNAH, GA 31419 | AFLAC | $24 | — | $24 | 0.06% |
| JOSEPH BAILEY DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AFLAC | $18 | — | $18 | 0.04% |
| CLAYTON H BENNETT3 | PO BOX 16355 PANAMA CITY, FL 32406 | AFLAC | $16 | — | $16 | 0.04% |
| DARYL PERRY3 Filed as: DARYL E PERRY | 18 WATERS EDGE DRIVE SOUTHEAST ACWORTH, GA 30102 | AFLAC | $12 | — | $12 | 0.03% |
| DAVID C CLOUD JR3 | 12 TRENT DRIVE SOUTHEAST ROME, GA 30161 | AFLAC | $12 | — | $12 | 0.03% |
| JOHN P KOWN II3 | 430 DAVIS CARNES LANE NORTHWEST MARIETTA, GA 30064 | AFLAC | $8 | — | $8 | 0.02% |
| SCOT J SPOONER3 | 173 MONICELLO COURT DALLAS, GA 30132 | AFLAC | $7 | — | $7 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | AFLAC | $4 | — | $4 | 0.01% |
| TSG INC3 | PO BOX 3138 DULUTH, MN 55803 | AFLAC | $4 | — | $4 | 0.01% |
| CLAYTON H BENNETT3 | 8700 FRONT BEACH ROAD UNIT 4307 PANAMA CITY BEACH, FL 32407 | AFLAC | $3 | — | $3 | 0.01% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $3 | — | $3 | 0.01% |
| CAROLINA BETANCUR GUTIERREZ3 | 140 STERLING ROAD JASPER, GA 30143 | AFLAC | $2 | — | $2 | 0.00% |
| KATHERINE LATIMER3 | 5093 BOONE LINKS LANE COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.00% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUNTINGTON BEACH, CA 92646 | 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 | 90 | 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) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 85 | $169K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 85 | $169K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 85 | $169K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 85 | $169K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 85 | $169K |
| Stop-loss / reinsurancereinsurance | ROUNDSTONE REINSURANCE/NATIONWIDE | 85 | $370K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 85 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 85 | — |
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.