| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLOWERS AGENCY LLC3 | 2221 MANCHESTER EXPY COLUMBUS, GA 31904 | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $35K | — | $35K | 3.83% |
| FLOWERS AGENCY LLC3 | 2221 MANCHESTER EXPY COLUMBUS, GA 31904 | THE LINCOLN NATIONAL LIFE INS CO | $9K | $200 | $9K | 10.23% |
| FLOWERS AGENCY LLC3 | 2221 MANCHESTER EXPY COLUMBUS, GA 31904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $190 | $4K | 15.67% |
| FLOWERS AGENCY LLC4 | 2221 MANCHESTER EXPY COLUMBUS, GA 31904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $172 | $4K | 15.63% |
| FLOWERS AGENCY LLC3 | 2221 MANCHESTER EXPY COLUMBUS, GA 31904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $181 | $4K | 15.68% |
| PARAGON BENEFITS, INC.5 Filed as: PARAGON BENEFITS INC. | PO BOX 4529 COLUMBUS, GA 31909 | PARAGON BENEFITS INC. | — | $1K | $1K | 8.07% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP, INC | 106 7TH ST N CORDELE, GA 31010 | ALLSTATE | $5K | — | $5K | 37.27% |
| BROOME AGENCY INC3 | 1213 BAYTREE RD VALDOSTA, GA 31602 | ALLSTATE | $2K | — | $2K | 15.98% |
| WILLIAM HAROLD OWENS3 | P O BOX 997 CORDELE, GA 31010 | ALLSTATE | $90 | — | $90 | 0.67% |
| SEE ATTACHED3 | ATTACHED VARIOUS, GA 31904 | AFLAC, INC | $1K | — | $1K | 12.43% |
| FLOWERS AGENCY LLC3 | 2221 MANCHESTER EXPY COLUMBUS, GA 31904 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $75 | $2K | 15.66% |
| NAVITECH Filed as: NAVITECH, INC | 8215 ROYAL SAINT GEORGES WAY DULUTH, GA 30097 | LEGAL ACCESS PLANS, LLC | — | — | $0 | 0.00% |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 199 | $940K |
| Dental | THE LINCOLN NATIONAL LIFE INS CO | 155 | $87K |
| Vision | BLUE CROSS BLUE SHIELD OF GEORGIA, INC. | 205 | $18K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $69K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 55 | $11K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.