| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 611 POINT NORTH BOULEVARD ALBANY, GA 31721 | CIGNA | $65K | $2K | $67K | 12.13% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PHELE AVENUE STREET SADDLE BROOK, GA 07663 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $18K | $8K | $26K | 11.50% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP | 1439 STUART ENGALS BLVD MOUNT PLEASANT, SC 29464 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $15K | $15K | 6.69% |
| JANE WHITE3 | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $13K | — | $13K | 18.84% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY, INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $10K | — | $10K | 13.58% |
| OWENS WILLIAM HAROLD3 Filed as: OWENS GRANT HAROLD | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $9K | — | $9K | 13.30% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GROUP | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $1K | — | $1K | 1.55% |
| OWENS WILLIAM HAROLD3 Filed as: OWENS APRIL M | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $156 | — | $156 | 0.22% |
| OWENS WILLIAM HAROLD3 | ATTEN ANGIE JACOBS PO BOX 997 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE AND INSURANCE COMPANY | $63 | — | $63 | 0.09% |
| JOHN L BENN3 | 993 LISMORE DRIVE COLUMBUS, GA 30083 | AFLAC | $367 | — | $367 | 4.86% |
| CALVIN LEVI RENTZ3 | 1628 LEE ROAD 250 SALEM, GA 36874 | AFLAC | $206 | — | $206 | 2.73% |
| JOHN E CARTER III3 | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $152 | — | $152 | 2.01% |
| WILLIAM L AMOS & CO INC3 | 7100 STILLWATER DRIVE COLUMBUS, GA 31904 | AFLAC | $29 | — | $29 | 0.38% |
| JERALD DEE LEWARK3 | 6796 SCOTER DRIVE MIDLAND, GA 31820 | AFLAC | $25 | — | $25 | 0.33% |
| TY EARL FAIR3 | 9569 ENGLISH IVY COURT FORTSON, GA 31808 | AFLAC | $23 | — | $23 | 0.30% |
| DAMARIS DAVILA3 | PO BOX 961181 MIAMI, FL 33296 | AFLAC | $16 | — | $16 | 0.21% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $15 | — | $15 | 0.20% |
| SPURGEON ALFORD JR3 | 1205 1ST AVENUE APT 507 COLUMBUS, GA 31901 | AFLAC | $14 | — | $14 | 0.19% |
| CHAMCO LLC3 | 8 NIGHTWIND COURT COLUMBUS, GA 31909 | AFLAC | $14 | — | $14 | 0.19% |
| MATTHEW R BURKE3 | 1750 SHILOH ROAD NW APT 1016 KENNDSAW, GA 30144 | AFLAC | $12 | — | $12 | 0.16% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DRIVE COLUMBUS, GA 31904 | AFLAC | $10 | — | $10 | 0.13% |
| J STAN ALLEN INC3 Filed as: J STAN ALLEN INC. | 1800 BUENA VISTA ROAD COLUMBUS, GA 31906 | AFLAC | $10 | — | $10 | 0.13% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $8 | — | $8 | 0.11% |
| MICHAEL S CHILDS3 | 251 ROCKY SPRINGS DRIVE MIDLAND, GA 31820 | AFLAC | $8 | — | $8 | 0.11% |
| WILLIAM L AMOS III3 | 7100 STILLWATER DRIVE COLUMBUS, GA 31909 | AFLAC | $2 | — | $2 | 0.03% |
| PARAGON BENEFITS, INC.5 Filed as: PARAGON BENEFITS | PO BOX 1288 COLUMBUS, GA 31917 | PARAGON BENEFITS, INC | — | $924 | $924 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSOR | Participant communication; Named fiduciary; Direct payment from the plan; Other services; Non-monetary compensation; Float revenue; Claims processing; Contract Administrator Service code 12 | — | $12K |
| CIGNA HEALTH AND LIFE INSURANCE | Named fiduciary; Participant communication; Contract Administrator; Claims processing; Float revenue; Non-monetary compensation; Other services; Direct payment from the plan Service code 12 | — | $0 |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 174 | $559K |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 304 | $225K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 304 | $225K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 304 | $296K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 304 | $296K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 304 | $296K |
| Other(3 contracts, 3 carriers) | CIGNA | 223 | $622K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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.