| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARAGON BENEFITS, INC.3 | P.O. BOX 4529 COLUMBUS, GA 31909 | PARAGON BENEFITS, INC. | — | $3K | $3K | 0.75% |
| VALDOSTA INSURANCE SERVICES INC3 Filed as: VALDOSTA INSURANCE SERVICES, INC | PO BOX 2070 VALDOSTA, GA 31604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $5K | $31K | 15.82% |
| THE CHESHIRE GROUP INC3 Filed as: THE CHESHIRE GROUP, INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 4.58% |
| VALDOSTA INSURANCE SERVICES INC3 | PO BOX 2070 VALDOSTA, GA 31604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21K | — | $21K | 12.82% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 4527 ARGYLE LANE TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $9K | $14K | 8.32% |
| NICOLE TOWNSEND VEDDER3 | 3370 LAKE RUN DRIVE TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 2.79% |
| EDWARD ALBERT GUY JR3 Filed as: EDWARD ALBERT GUY | 736 RED FERN RD TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $462 | $3K | 1.83% |
| BRIAN MITCHELL3 | P.O. BOX 2070 VALDOSTA, GA 31604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.70% |
| ASHLYN MILLER AYCOCK3 Filed as: ASHLYN AYCOCK MILLER | 1011 CHEROKEE STREET VALDOSTA, GA 31602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 1.60% |
| DAVID J MCCLELLAN3 Filed as: DAVID B MERKHOFER | 2704 SETTER PL TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $339 | $2K | 1.26% |
| HOWARD L WEATHERS3 Filed as: HOWARD L. WEATHERS | 119 ROSEWOOD DRIVE TALLAHASSEE, FL 32301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $340 | $21 | $361 | 0.22% |
| MICHAEL JOHN POZO3 | 2117 WIMBLEDON DR THOMASVILLE, GA 31792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $198 | — | $198 | 0.12% |
| OMS OF NORTHWEST FLORIDA INC3 Filed as: OMS OF NORTHWEST FLORIDA | PO BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $12 | $47 | 0.03% |
| M & L BENEFIT SOLUTIONS LLC3 Filed as: M & L BENEFIT SOLUTIONS, LLC | P.O. BOX 16362 PANAMA CITY, FL 32406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | $4 | $39 | 0.02% |
| STEPHANIE MICHELLE PROCTOR3 | P.O. BOX 16362 PANAMA CITY, FL 32406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | $1 | $35 | 0.02% |
| MICKEY J DELOACH3 | 3717 BLACKGUM DR VALDOSTA, GA 31605 | AFLAC | $165 | $27 | $192 | 5.82% |
| VALDOSTA INSURANCE SERVICES INC3 | PO BOX 2070 VALDOSTA, GA 31604 | AFLAC | $145 | — | $145 | 4.40% |
| BRYAN SHOVER3 Filed as: BRYAN D SHOVER | 309 KNOBB HILL VALDOSTA, GA 31602 | AFLAC | $69 | $8 | $77 | 2.34% |
| LARA CARLSON3 Filed as: LARA K. CARLSON | 106 LAUREL VIEW DR. ST SIMONS ISLAND, GA 31522 | AFLAC | $30 | $8 | $38 | 1.15% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 826 NORTH ELM ST GREENSBORO, NC 27401 | AFLAC | $34 | — | $34 | 1.03% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM L AMOS & CO INC. | 6801 RIVER ROAD SUITE 205 COLUMBUS, GA 31904 | AFLAC | $22 | $8 | $30 | 0.91% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $9 | — | $9 | 0.27% |
| JRP AGENCY LLC3 | 4712 RADAR SITE ROAD VALDOSTA, GA 31605 | AFLAC | $8 | — | $8 | 0.24% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PARAGON BENEFITS, INC. | 43 | $362K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $199K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $199K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $363K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $199K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.