| 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 | $55K | — | $55K | 17.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF LEE COUNTY | 300 W TENTH ST WEST POINT, GA 31833 | CIGNA | — | $6K | $6K | 1.86% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GROUP, INC. | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE ISNURANCE COMPANY | $3K | — | $3K | 10.28% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY, INC. | 1213 BAYTREE ROAD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE ISNURANCE COMPANY | $912 | — | $912 | 2.80% |
| OWENS WILLIAM HAROLD3 | P.O. BOX 997 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE ISNURANCE COMPANY | $112 | — | $112 | 0.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF A MAR | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $615 | $2K | 20.05% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $442 | $442 | 3.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO A MAR | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $596 | $2K | 21.72% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $446 | $446 | 5.03% |
| JOHN L BENN3 | 993 LISMORE DR COLUMBUS, GA 31904 | AFLAC | $436 | — | $436 | 5.00% |
| JOHN E CARTER III3 | 313 TROOP DR FORTSON, GA 31808 | AFLAC | $194 | — | $194 | 2.22% |
| CALVIN LEVI RENTZ3 | 1628 LEE ROAD 250 SALEM, AL 36874 | AFLAC | $103 | — | $103 | 1.18% |
| LEVI RENTZ3 | 1628 LEE ROAD 250 SALEM, AL 36874 | AFLAC | $103 | — | $103 | 1.18% |
| JERALD DEE LEWARK3 | 6796 SCOTER DR MIDLAND, GA 31820 | AFLAC | $37 | — | $37 | 0.42% |
| TY EARL FAIR3 | 9569 ENGLISH IVY CT FORTSON, GA 31808 | AFLAC | $23 | — | $23 | 0.26% |
| MICHAEL S CHILDS3 | 251 ROCKY SPRINGS DR MIDLAND, GA 31820 | AFLAC | $22 | — | $22 | 0.25% |
| J BECK INC3 Filed as: J BECK | P.O. BOX 5386 COLUMBUS, GA 31906 | AFLAC | $21 | — | $21 | 0.24% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM L AMOS & CO INC. | 7100 STILLWATER DR COLUMBUS, GA 31909 | AFLAC | $17 | — | $17 | 0.19% |
| BRIAN E HICKS3 Filed as: BRIAN K CHAMBERS | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $14 | — | $14 | 0.16% |
| SPURGEON ALFORD JR3 | 1205 FIRST AVE APT 507 COLUMBUS, GA 31901 | AFLAC | $14 | — | $14 | 0.16% |
| DAMARIS DAVILA3 | 1055 REQUIN LN PENSACOLA, FL 32514 | AFLAC | $14 | — | $14 | 0.16% |
| J STAN ALLEN INC3 Filed as: J STAN ALLEN INC. | 1800 BUENA VISTA RD COLUMBUS, GA 31906 | AFLAC | $14 | — | $14 | 0.16% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM L AMOS & CO INC. | 6801 RIVER RD STE 205 COLUMBUS, GA 31904 | AFLAC | $12 | — | $12 | 0.14% |
| MATTHEW R BURKE3 | 1750 SHILOH RD NW APT 1016 KENNESAW, GA 30144 | AFLAC | $12 | — | $12 | 0.14% |
| DAMARIS DAVILA3 | 5100 W COPANS RD STE 710 MARGATE, FL 33063 | AFLAC | $12 | — | $12 | 0.14% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $11 | — | $11 | 0.13% |
| RPM LTD3 | P.O. BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $8 | — | $8 | 0.09% |
| DAMARIS DAVILA3 | 2314 JAPONICA DRIVE COLUMBUS, GA 31907 | AFLAC | $2 | — | $2 | 0.02% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.01% |
| TERESA LUMMUS3 Filed as: TERESA A LUMMUS | 145 OCONEE WOODS TRAIL SHARPSBURG, GA 30277 | AFLAC | $1 | — | $1 | 0.01% |
| WILLIAM L AMOS III3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.01% |
| WILLIAM L AMOS III3 | 6801 RIVER RD STE205 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO A MAR | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $387 | $2K | 24.59% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $307 | $307 | 3.65% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO A MAR | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $637 | $209 | $846 | 19.91% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $204 | $204 | 4.80% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & CO OF A MAR | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $351 | $76 | $427 | 24.33% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $66 | $66 | 3.76% |
| NAVITECH3 | 8215 ROYAL SAINT GEORGES WAY DULUTH, GA 30097 | LEGAL ACCESS PLANS | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSOR | Float revenue; Named fiduciary; Claims processing; Contract Administrator; Direct payment from the plan; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $12K |
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 | 234 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 220 | $311K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE ISNURANCE COMPANY | 138 | $53K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE ISNURANCE COMPANY | 138 | $41K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE ISNURANCE COMPANY | 138 | $37K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE ISNURANCE COMPANY | 138 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.