| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 2500 CUMBERLAND PARKWAY SE SUITE 400 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | $748 | $40K | 6.52% |
| STERLING SEACREST PRITCHARD, INC.3 Filed as: STERLING SEACREST PRITCHARD INC | 2500 CUMBERLAND PARKWAY SE SUITE 400 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | $29K | $3K | $31K | 13.35% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY JOHNSON | 3850 EAST BASELINE ROAD, SUITE 121 MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 2.17% |
| DANIEL E ZECKMAN3 Filed as: DANIEL ZECKMAN | 1275 SHILOH ROAD NW, SUITE 2260 KENNESAW, GA 30144 | AFLAC | $705 | $44 | $749 | 6.29% |
| JOHN P KOWN II3 Filed as: JOHN KOWN | 430 DAVIS CARNES LANE NW MARIETTA, GA 30064 | AFLAC | $267 | $12 | $279 | 2.34% |
| RODNEY A MCCLURE3 Filed as: RODNEY MCCLURE | 606 REDBUD TERRACE CANTON, GA 30115 | AFLAC | $137 | $0 | $137 | 1.15% |
| DAVID C CLOUD JR3 Filed as: DAVID CLOUD | 12 TRENT DRIVE SE ROME, GA 30161 | AFLAC | $72 | $0 | $72 | 0.60% |
| ROBERT HESLEP3 Filed as: ROBERT HESLEP AND VAROUS AGENTS | 6680 RIVER ISLAND CIRCLE BUFORD, GA 30518 | AFLAC | $64 | $0 | $64 | 0.54% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS GIDDENS | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $35 | $0 | $35 | 0.29% |
| JENNIFER ROLLEN3 | 514 ALLATOONA HILLS DRIVE WOODSTOCK, GA 30189 | AFLAC | $34 | $0 | $34 | 0.29% |
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 | 125 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $609K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $235K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $235K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $247K |
| Short-term disability | AFLAC | 11 | $12K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $235K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $609K |
| Other | AFLAC | 11 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.