| 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 | $81K | — | $81K | 19.64% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GRP, INC. | 108 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.43% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY, INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $996 | — | $996 | 2.61% |
| OWENS WILLIAM HAROLD3 | PO BOX 1002 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $126 | — | $126 | 0.33% |
| 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 | $3K | — | $3K | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.98% |
| 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 | $3K | — | $3K | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | P.O. BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 6.00% |
| 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 | $4K | — | $4K | 20.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 6.00% |
| 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 | $5K | — | $5K | 38.29% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $731 | $2K | 15.82% |
| JOHN L BENN3 | 993 LISMORE DRIVE COLUMBUS, GA 31904 | AFLAC | $425 | — | $425 | 5.20% |
| CALVIN LEVI RENTZ3 | 1628 LEE ROAD 250 SALEM, AL 36874 | AFLAC | $206 | — | $206 | 2.52% |
| JOHN E CARTER III3 | P.O. BOX 39 FORTSON, GA 31808 | AFLAC | $168 | — | $168 | 2.06% |
| JERALD DEE LEWARK3 | 6796 SCOTER DRIVE MIDLAND, GA 31820 | AFLAC | $31 | — | $31 | 0.38% |
| WILLIAMS L AMOS & CO INC3 | 7100 STILLWATER DRIVE COLUMBUS, GA 31904 | AFLAC | $29 | — | $29 | 0.36% |
| DAMARIS DAVILA3 | 1055 REQUIN LANE PENSACOLA, FL 32514 | AFLAC | $28 | — | $28 | 0.34% |
| TY EARL FAIR3 | 9569 ENGLISH IVY CT FORTSON, GA 31808 | AFLAC | $23 | — | $23 | 0.28% |
| J BECK INC | P.O. BOX 5386 COLUMBUS, GA 31906 | AFLAC | $18 | — | $18 | 0.22% |
| SPURGEON ALFORD JR3 | 1205 FIRST AVENUE APT 507 COLUMBUS, GA 31901 | AFLAC | $14 | — | $14 | 0.17% |
| BRIAN E HICKS3 Filed as: BRIAN K CHAMBERS | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $14 | — | $14 | 0.17% |
| MATTHEW R BURKE3 | 1750 SHILOH RD NW APT 1016 KENNESAW, GA 30144 | AFLAC | $12 | — | $12 | 0.15% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $11 | — | $11 | 0.13% |
| J STAN ALLEN INC3 | 1800 BUENA VISTA RD COLUMBUS, GA 31906 | AFLAC | $10 | — | $10 | 0.12% |
| MICHAEL S CHILDS3 | 251 ROCKY SPRINGS DR MIDLAND, GA 31820 | AFLAC | $8 | — | $8 | 0.10% |
| RPM LTD3 | P.O. BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $8 | — | $8 | 0.10% |
| WILLIAM L AMOS III3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.02% |
| TERESA LUMMUS3 Filed as: TERESA A LUMMUS | 145 OCONEE WOODS TRL SHARPSBURG, GA 30277 | AFLAC | $1 | — | $1 | 0.01% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DRIVE COLUMBUS, GA 31909 | 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 | $794 | — | $794 | 15.00% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $318 | — | $318 | 6.01% |
| 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 | $911 | — | $911 | 20.01% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | P.O. BOX 211486 COLUMBIA, SC 29221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $273 | $273 | 6.00% |
| NAVITECH3 | 8215 ROYAL SAINT GEORGES WAY DULUTH, GA 30097 | LEGAL ACCESS PLANS, LLC | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSOR | Direct payment from the plan; Claims processing; Other services; Named fiduciary; Participant communication; Contract Administrator; Non-monetary compensation; Float revenue Service code 12 | — | $38K |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 209 | $415K |
| Dental | CIGNA | 209 | $415K |
| Vision | CIGNA | 209 | $415K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 120 | $79K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 120 | $61K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 120 | $50K |
| Other(5 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 120 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.