| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: VARIOUS AGENTS* | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $280K | $18K | $298K | 4.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | 29848 NETWORK PLACE CHICAGO, IL 60673 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $89K | — | $89K | 4.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 28290 | FIRST RELIANCE LIFE INSURANCE COMPANY | $140K | — | $140K | 10.00% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SON INC | PO BOX 2320 WILMINGTON, NC 28402 | AMERITAS LIFE INSURANCE CORP | $28K | $11K | $39K | 6.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA | 4890 W. KENNEDY BLVD SUITE 850 TAMPA, FL 33609 | ARCH INSURANCE COMPANY | $26K | — | $26K | 9.95% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $6K | $195 | $6K | 3.88% |
| GA SSC HOME3 | UNKNOWN COLUMUS, GA 31909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42K | — | $42K | 35.78% |
| GEORGE M FLOYD3 | 4724 LOCKEWOOD LANE COLUMBIA, SC 29206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.57% |
| RICHARD G MCGOWAN3 Filed as: RICHARD K CARTER | 1224 PEACOCK AVE STE 205 COLUMUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 4.39% |
| JOHN E CARTER III3 Filed as: JOHN E CARTER II | 313 TROOP DR FORTSON, GA 31808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.96% |
| DOUGLAS H CRAWFORD JR3 Filed as: DOUGLAS H | 1224 PEACOCK AVE STE 205 COLUMUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.67% |
| PREMIER BENEFIT ADVISORS INC3 Filed as: PREMIER BENEFIT | 6298 GA HWY 36 W WOODLAND, GA 31836 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.32% |
| SUE C TUCKER3 | 9856 U.S. HIGHWAY 29 NORTH CUSSETA, AL 36852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.75% |
| JOHN E CARTER III3 Filed as: JOHN E CARTER II | 313 TROOP DR FORTSON, GA 31808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.49% |
| SANDRA C MATHIS3 | 6478 FIELDSTREAM WAY COLUMUS, GA 31909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.15% |
| SANDRA C MATHIS3 | 6478 FIELDSTREAM WAY COLUMUS, GA 31909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.05% |
| DAYTON LLC3 | 221 SERENITY DR PICKEN, SC 29671 | CONTINENTAL AMERICAN INSURANCE COMPANY | $235 | — | $235 | 0.20% |
| DAVID C BERRY3 Filed as: DAVID BERRY | 2545 HEATHWAY DR FLORENCE, SC 29501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $235 | — | $235 | 0.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | PO BOX 904037 CHARLOTTE, NC 38390 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.62% |
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 | 4,911 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 214 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA | 3 | $45K |
| Vision(4 contracts, 3 carriers) | AFLAC | 5,732 | $7.6M |
| Life insurance(4 contracts, 3 carriers) | AFLAC | 5,732 | $9.0M |
| Short-term disability(2 contracts, 2 carriers) | FIRST RELIANCE LIFE INSURANCE COMPANY | 4,548 | $1.4M |
| Long-term disability | FIRST RELIANCE LIFE INSURANCE COMPANY | 4,548 | $1.4M |
| Other(4 contracts, 3 carriers) | AFLAC | 5,732 | $7.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,732 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.