| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 611 POINT NORTH BOULDEVARD ALBANY, GA 31721 | CIGNA | $64K | — | $64K | 14.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PO BOX 70 WEST POINT, GA 31833 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 14.24% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENAN | 250 PHELE AVENUE STREET SADDLE BROOK, GA 07663 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.19% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY | PO BOX 211468 COLUMBIA, SC 29221 | METROPOLITAN LIFE INSURANCE COMPANY | — | $266 | $266 | 0.24% |
| BENEFIT SPECIALISTS INC.3 Filed as: BENEFIT SPECIALISTS GROUP | 106 7TH STREET N SUITE C CORDELE, GA 31015 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 4.50% |
| BROOME AGENCY INC3 Filed as: BROOME AGENCY, INC. | 1213 BAYTREE RD VALDOSTA, GA 31602 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $521 | — | $521 | 1.51% |
| JANE WHITE3 | PO BOX 5766 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.26% |
| OWENS WILLIAM HAROLD3 | ATTEN ANGIE JACOBS PO BOX 997 CORDELE, GA 31010 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $88 | — | $88 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 11330 LAKEFIELD DR SUITE 100 JOHNS CREEK, GA 30097 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 19.40% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BLVD UNIT 300 MT PLEASANT, SC 29464 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $827 | — | $827 | 2.83% |
| JOHN L BENN3 | 993 LISMORE DRIVE COLUMBUS, GA 31904 | AFLAC | $382 | — | $382 | 5.06% |
| CALVIN LEVI RENTZ3 | 1628 LEE ROAD 250 SALEM, AL 36874 | AFLAC | $206 | — | $206 | 2.73% |
| JOHN E CARTER III3 | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $156 | — | $156 | 2.07% |
| 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 | $21 | — | $21 | 0.28% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $16 | — | $16 | 0.21% |
| SPURGEON ALFORD JR3 | 1205 1ST AVENUE APT 507 COLUMBUS, GA 31901 | AFLAC | $14 | — | $14 | 0.19% |
| MATTHEW R BURKE3 | 1750 SHILOH ROAD NW APT 1016 KENNESAW, GA 30144 | AFLAC | $12 | — | $12 | 0.16% |
| J STAN ALLEN INC3 | 1800 BUENA VISTA ROAD COLUMBUS, GA 31906 | AFLAC | $10 | — | $10 | 0.13% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DRIVE COLUMBUS, GA 31904 | AFLAC | $10 | — | $10 | 0.13% |
| MICHAEL S CHILDS3 | 251 ROCKY SPRINGS DRIVE MIDLAND, GA 31820 | AFLAC | $8 | — | $8 | 0.11% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $8 | — | $8 | 0.11% |
| CHAMCO LLC3 | 8 NIGHTWIND COURT COLUMBUS, GA 31909 | AFLAC | $7 | — | $7 | 0.09% |
| BRIAN E HICKS3 Filed as: BRIAN K CHAMBERS | 8 NIGHTWIND COURT COLUMBUS, GA 31909 | AFLAC | $7 | — | $7 | 0.09% |
| WILLIAM L AMOS III3 | 7100 STILLWATER DRIVE COLUMBUS, GA 31904 | AFLAC | $2 | — | $2 | 0.03% |
| TERESA LUMMUS3 Filed as: TERESA A LUMMUS | 145 OCONEE WOODS TRAIL SHARPSBURG, GA 30277 | AFLAC | $1 | — | $1 | 0.01% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DRIVE COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.01% |
| PARAGON BENEFITS, INC.5 Filed as: PARAGON BENEFITS | PO BOX 12288 COLUMBUS, GA 31917 | PARAGON BENEFITS, INC. | — | $913 | $913 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSOR | Non-monetary compensation; Other services; Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Participant communication; Float revenue Service code 12 | — | $24K |
| CIGNA HEALTH AND LIFE INSURANCE | Other services; Contract Administrator; Direct payment from the plan; Claims processing; Named fiduciary; Float revenue; Participant communication; Non-monetary compensation 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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 70 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 408 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA | 174 | $442K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $110K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $110K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 314 | $64K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 314 | $64K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 314 | $64K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 113 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.