| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAVEN BENEFITS3 | 1000 PEACHTREE INDUSTRIAL BLVD STE 6437 SUWANEE, GA 30024 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $60K | $68K | 5.31% |
| HAVEN BENEFITS3 | 1000 PEACHTREE INDUSTRIAL BLVD STE 6437 SUWANEE, GA 30024 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | $56K | $0 | $56K | 5.10% |
| TRAVIS RIKER, ARISTA CONSULTING GP3 | 4145 SHACKLEFORD RD STE 330B NORCROSS, GA 30071 | BIND BENEFITS, INC. DBA SUREST | $0 | $48K | $48K | 5.26% |
| HAVEN BENEFITS3 | 1000 PEACHTREE INDUSTRIAL BLVD STE 6437 SUWANEE, GA 30024 | HARTFORD LIFE AND ACCIDENT | $63K | $0 | $63K | 15.00% |
| TERRIE N ALLISON3 Filed as: TERRIE NEAL ALLISON | 52 HOPE DR UNIT B CLEVELAND, GA 30528 | AFLAC | $442 | — | $442 | 3.35% |
| KIMBERLY ANN GARRISON3 | 73 MAYRANT BLUFF LN GEORGETOWN, SC 29440 | AFLAC | $212 | — | $212 | 1.61% |
| SHARON L HALL3 | PO BOX 1857 DAWSONVILLE, GA 30534 | AFLAC | $150 | — | $150 | 1.14% |
| JOHN B ALLEN III3 | 140 AZURE BAY CT CHAPIN, SC 29036 | AFLAC | $149 | — | $149 | 1.13% |
| SHARON D ROBERTS3 | PO BOX 1129 YOUNG HARRIS, GA 30582 | AFLAC | $105 | — | $105 | 0.80% |
| GLORIA E CAMP3 | PO BOX 337 CLARKESVILLE, GA 30523 | AFLAC | $52 | — | $52 | 0.39% |
| TRAVERS W PAINE IV3 | PO BOX 14963 AUGUSTA, GA 30919 | AFLAC | $51 | — | $51 | 0.39% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $51 | — | $51 | 0.39% |
| SCOTT A SMITH3 | 6340 SUGARLOAF PKWY STE 200 DULUTH, GA 30097 | AFLAC | $41 | — | $41 | 0.31% |
| MRS JACKSON BOYUM3 | 2040 SKYLAR LEIGH DR BUFORD, GA 30518 | AFLAC | $41 | — | $41 | 0.31% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $40 | — | $40 | 0.30% |
| ADRIANA PARRISH RIVERA3 | 1093 MAGNOLIA WAY LAWRENCEVILLE, GA 30046 | AFLAC | $40 | — | $40 | 0.30% |
| LARRY W FLOWERS3 | 930 WOODLAND SAUTEE NACOOCHEE, GA 30571 | AFLAC | $32 | — | $32 | 0.24% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $32 | — | $32 | 0.24% |
| BRENDA J MCGINNIS3 | 1279 APOLLO RD ARAB, AL 35016 | AFLAC | $32 | — | $32 | 0.24% |
| DEREK B DAVIS3 | 1230 SOUTHPORT SUPPLY RD SE BOLIVIA, NC 28422 | AFLAC | $31 | — | $31 | 0.23% |
| SHERRY H FRANKLIN3 | PO BOX 617 CORNELIA, GA 30531 | AFLAC | $31 | — | $31 | 0.23% |
| DAVID C BERRY3 | 2545 HEATHWAY DR FLORENCE, SC 29501 | AFLAC | $29 | — | $29 | 0.22% |
| WILLIAM S ESTROFF3 | PO BOX 297 AUGUSTA, GA 30903 | AFLAC | $19 | — | $19 | 0.14% |
| DEBRA A ROSENBERGER3 | 111 STEVENSON DR BELTON, SC 29627 | AFLAC | $19 | — | $19 | 0.14% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $17 | — | $17 | 0.13% |
| TERRANCE M LUCZAJ3 | 1052 S DEWCREST DR ANAHEIM, CA 92808 | AFLAC | $16 | — | $16 | 0.12% |
| SUSAN REDDOCH BUFFINGTON3 | PO BOX 344 MANCHESTER, GA 31816 | AFLAC | $5 | — | $5 | 0.04% |
| KATHERINE LATIMER3 | 5093 BOONE LINKS LN COLUMBUS, GA 31909 | AFLAC | $5 | — | $5 | 0.04% |
| STEPHEN BEAMAN3 | 3201 HUNT CLUB LN NEW BERN, NC 28562 | AFLAC | $5 | — | $5 | 0.04% |
| DANIEL FITZGERALD INC3 Filed as: DANIEL S FITZGERALD | 4119 SHADY OAKS DR AUGUSTA, GA 30907 | AFLAC | $4 | — | $4 | 0.03% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $4 | — | $4 | 0.03% |
| DAYTON LLC3 | 5445 DTC PKWY STE 1036 GREENWOOD VILLAGE, CO 80111 | AFLAC | $3 | — | $3 | 0.02% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $3 | — | $3 | 0.02% |
| PAUL SHELBY AMOS II3 | 6801 RIVER RD STE 2100 COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.02% |
| KERRY C EZZELL3 | PO BOX 15074 AUGUSTA, GA 30919 | AFLAC | $2 | — | $2 | 0.02% |
| C HARVEY KING3 | 1024 BENNINGTON DR CHARLESTON, SC 29492 | AFLAC | $2 | — | $2 | 0.02% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $2 | — | $2 | 0.02% |
| ANA MARIE GARCIA SMITH3 | 4504 FAWNIE LN KNOXVILLE, TN 37918 | AFLAC | $2 | — | $2 | 0.02% |
| LEE RYAN MCGRAW3 | 726 MEADOWBROOK RD CARROLLTON, GA 30117 | AFLAC | $1 | — | $1 | 0.01% |
| GARY W JOHNSON3 | 326 HOLLOW OAK DR UNIT B SUMMERVILLE, SC 29486 | AFLAC | $1 | — | $1 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.01% |
| PATRICIA A PARK3 | 18 SHEILA GAIL LN ROSSVILLE, GA 30741 | AFLAC | $1 | — | $1 | 0.01% |
| GK JOHNSON INC3 Filed as: GK JOHNSON, INC | 326 HOLLOW OAK DR UNIT B SUMMERVILLE, SC 29486 | AFLAC | $1 | — | $1 | 0.01% |
| DUSTIN ROBERT JOHNSON3 | 745 W BROMPTON AVE APT 1 CHICAGO, IL 60657 | AFLAC | $1 | — | $1 | 0.01% |
| DEBORAH B SMITH3 | 647 WOOD POINT WAY DALLAS, GA 30157 | AFLAC | $1 | — | $1 | 0.01% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 3343 LANELL LN PEARL, MS 39208 | AFLAC | $1 | — | $1 | 0.01% |
| KEVIN R MCFADDEN3 | 1820 W CANNING DR MOUNT PLEASANT, SC 29466 | AFLAC | $1 | — | $1 | 0.01% |
| GARY W JOHNSON3 | 210 CAMPBELL CIR MT JULIET, TN 37122 | AFLAC | $0 | — | $0 | 0.00% |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 672 | $3.3M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC | 504 | $1.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 419 | $419K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 419 | $432K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 419 | $419K |
| Other | HARTFORD LIFE AND ACCIDENT | 419 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.