| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CHESHIRE GROUP INC3 Filed as: THE CHESHIRE GROUP, INC | 6445 WESTCHESTER PL STE 501 CUMMING, GA 30040 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | — | $50K | 13.54% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $13K | $15K | 4.11% |
| VALDOSTA INSURANCE SERVICES INC3 | PO BOX 2070 VALDOSTA, GA 31604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 6.60% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 4527 ARGYLE LANE TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $355 | $169 | $524 | 1.98% |
| NICOLE TOWNSEND VEDDER3 | 3370 LAKE RUN DRIVE TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | $63 | $337 | 1.28% |
| DAVID J MCCLELLAN3 Filed as: DAVID B MERKHOFER | 2704 SETTER PL TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $65 | $236 | 0.89% |
| EDWARD ALBERT GUY JR3 Filed as: EDWARD ALBERT GUY | 736 RED FERN RD TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $17 | $222 | 0.84% |
| ASHLYN MILLER AYCOCK3 | 1011 CHEROKEE STREET VALDOSTA, GA 31602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.75% |
| BRIAN MITCHELL3 | P.O. BOX 2070 VALDOSTA, GA 31604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $194 | — | $194 | 0.73% |
| HOWARD L WEATHERS3 Filed as: HOWARD L. WEATHERS | 119 ROSEWOOD DRIVE TALLAHASSEE, FL 32301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $2 | $29 | 0.11% |
| MICHAEL JOHN POZO3 | 2117 WIMBLEDON DR THOMASVILLE, GA 31792 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.07% |
| OMS OF NORTHWEST FLORIDA INC3 Filed as: OMS OF NORTHWEST FLORIDA | PO BOX 1097 SANTA ROSA BEACH, FL 32459 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | $3 | $8 | 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 | $1 | — | $1 | 0.00% |
| STEPHANIE MICHELLE PROCTOR3 | P.O. BOX 16362 PANAMA CITY, FL 32406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| VALDOSTA INSURANCE SERVICES INC3 | PO BOX 2070 VALDOSTA, GA 31604 | AFLAC | $114 | — | $114 | 5.92% |
| MICKEY J DELOACH3 | 3717 BLACKGUM DR VALDOSTA, GA 31605 | AFLAC | $65 | — | $65 | 3.37% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 826 NORTH ELM ST GREENSBORO, NC 27401 | AFLAC | $27 | — | $27 | 1.40% |
| BRYAN SHOVER3 Filed as: BRYAN D SHOVER | 309 KNOBB HILL VALDOSTA, GA 31602 | AFLAC | $18 | — | $18 | 0.93% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $7 | — | $7 | 0.36% |
| JRP AGENCY LLC3 | 4712 RADAR SITE ROAD VALDOSTA, GA 31605 | AFLAC | $6 | — | $6 | 0.31% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM L AMOS & CO INC. | 6801 RIVER ROAD SUITE 205 COLUMBUS, GA 31904 | AFLAC | $5 | — | $5 | 0.26% |
| LARA CARLSON3 Filed as: LARA K. CARLSON | 106 LAUREL VIEW DR. ST SIMONS ISLAND, GA 31522 | AFLAC | $4 | — | $4 | 0.21% |
| PARAGON BENEFITS, INC.3 | P.O. BOX 4529 COLUMBUS, GA 31909 | PARAGON BENEFITS, INC. | — | — | $0 | — |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $368K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $368K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $368K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $394K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $368K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $368K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 494 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.