| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CHESHIRE GROUP INC3 | 5755 N POINT PKWY STE 14 ALPHARETTA, GA 300221136 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | — | $44K | 14.90% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 3.94% |
| THE CHESHIRE GROUP INC3 Filed as: CHESHIRE GROUP INC | 6445 WESTCHESTER PL #501 CUMMING, GA 300407057 | BERKLEY LIFE | $32K | — | $32K | 11.12% |
| THE CHESHIRE GROUP INC3 | 5755 N POINT PKWY STE 14 ALPHARETTA, GA 300221136 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 15.83% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $8 | $2K | 5.30% |
| THE CHESHIRE GROUP INC3 | 5755 N POINT PKWY STE 14 ALPHARETTA, GA 300221136 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 13.15% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | $940 | $8 | $948 | 2.72% |
| VALDOSTA INSURANCE SERVICES INC3 | PO BOX 2070 VALDOSTA, GA 31604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | — | $273 | 2.69% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 682 VALLEY VIEW ROAD MONTICELLO, FL 32344 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 0.59% |
| NICOLE TOWNSEND VEDDER3 | 3370 LAKE RUN DRIVE TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.57% |
| DAVID J MCCLELLAN3 Filed as: DAVID B MERKHOFER | 2704 SETTER PL TALLAHASSEE, FL 32303 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $56 | — | $56 | 0.55% |
| EDWARD D SOMMER3 Filed as: EDWARD GUY JR | 716 RED FERN RD TALLAHASSEE, FL 32308 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | — | $27 | 0.27% |
| VALDOSTA INSURANCE SERVICES INC3 | PO BOX 2070 VALDOSTA, GA 31604 | AFLAC | $37 | — | $37 | 5.36% |
| MICKEY J DELOACH3 | 3 SADDLEWOOD CIR VALDOSTA, GA 31605 | AFLAC | $26 | — | $26 | 3.77% |
| KELLY LEBSACK3 Filed as: KELLY D LEBSACK | 826 NORTH ELM ST GREENSBORO, NC 27401 | AFLAC | $12 | — | $12 | 1.74% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $3 | — | $3 | 0.43% |
| TERESA LUMMUS3 Filed as: TERESA A LUMMUS | 145 OCONEE WOODS TRL SHARPSBURG, GA 30277 | AFLAC | $1 | — | $1 | 0.14% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $82K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 484 | $295K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 484 | $295K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 484 | $306K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 484 | $295K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 484 | $295K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE | 165 | $290K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 484 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.