| 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 | $297K | $34K | $331K | 4.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA INC | PO BOX 904037 CHARLOTTE, NC 28290 | FIRST RELIANCE LIFE INSURANCE COMPANY | $293K | — | $293K | 8.30% |
| HAROLD W WELLS & SONS INC3 Filed as: HAROLD W WELLS & SON INC | PO BOX 2320 WILMINGTON, NC 28402 | AMERITAS LIFE INSURANCE CORP | $18K | $11K | $29K | 4.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA INC | 2101 6TH AVE N STE 725 BIRMINGHAM, AL 35203 | AMERITAS LIFE INSURANCE CORP | $13K | — | $13K | 2.09% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS* | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $15K | $112 | $15K | 4.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ALABAMA | 2101 6TH AVENUE N SUITE 725 BIRMINGHAM, AL 35202 | ARCH INSURANCE COMPANY | $26K | — | $26K | 10.12% |
| GA SSC HOME3 | UNKNOWN COLUMBUS, GA 31909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 15.53% |
| GEORGE M FLOYD3 | 4724 LOCKEWOOD LANE COLUMBIA, SC 29206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.98% |
| JOHN E CARTER III3 Filed as: JOHN E CARTER II | 313 TROOP DR FORTSON, GA 31808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.87% |
| RICHARD G MCGOWAN3 Filed as: RICHARD K CARTER | 1224 PEACOCK AVE STE 205 COLUMUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.79% |
| DOUGLAS H CRAWFORD JR3 Filed as: DOUGLAS H | 1224 PEACOCK AVE STE 205 COLUMUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.18% |
| PREMIER BENEFIT ADVISORS INC3 Filed as: PREMIER BENEFIT | 6298 GA HWY 36 W WOODLAND, GA 31836 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.61% |
| SUE C TUCKER3 | 9856 U.S. HIGHWAY 29 NORTH CUSSETA, AL 36852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.23% |
| SANDRA C MATHIS3 | 6478 FIELDSTREAM WAY COLUMBUS, GA 31909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.06% |
| SANDRA C MATHIS3 | 6478 FIELDSTREAM WAY COLUMBUS, GA 31909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.06% |
| DAYTON LLC3 | 221 SERENITY DR PICKEN, SC 29671 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.08% |
| DAVID C BERRY3 Filed as: DAVID BERRY | 2545 HEATHWAY DR FLORENCE, SC 29501 | CONTINENTAL AMERICAN INSURANCE COMPANY | $107 | — | $107 | 0.08% |
| KIMBERLY M FUTCH3 Filed as: KIMBERLY FUTCH | PO BOX 708 STEINHATCHEE, FL 32359 | CONTINENTAL AMERICAN INSURANCE COMPANY | $83 | — | $83 | 0.06% |
| BRYCE ALLEN DIAL3 Filed as: BRYCE DIAL | 1224 PEACOCK AV STE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.06% |
| WATTS HUCKABEE AND CO3 Filed as: A WATTS HUCKABEE | 323 OAKLAND AVE ROCK HILL, SC 29730 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| HEATHER HOATS3 | 1224 PEACKOCK AVE SUITE 2018 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| JOHN E CARTER III3 Filed as: JOHN E CARTER II | 313 TROOP DR FORTSON, GA 31808 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| MIKES INSURANCE INC3 | 1017 WHITESVILLE WALK COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF FLORIDA, INC. | 4211 W BOY SCOUT SUITE 1000 TAMPA, FL 33607 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $266 | $2K | 12.66% |
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 | 5,302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 211 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA | 4 | $64K |
| Vision(3 contracts, 2 carriers) | AFLAC | 7,681 | $7.9M |
| Life insurance(3 contracts, 2 carriers) | AFLAC | 7,681 | $10.8M |
| Short-term disability(2 contracts, 2 carriers) | FIRST RELIANCE LIFE INSURANCE COMPANY | 5,382 | $3.5M |
| Long-term disability | FIRST RELIANCE LIFE INSURANCE COMPANY | 5,382 | $3.5M |
| Other(4 contracts, 3 carriers) | AFLAC | 7,681 | $7.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,681 | — |
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.