| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $10K | $55K | 20.46% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.83% |
| BENEFITS ADVISORY GROUP3 | 3715 NORTHSIDE PKWY NW BLDG 200 STE 400 ATLANTA, GA 303272882 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.38% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $278 | $278 | 0.10% |
| BENEFITS ADVISORY GROUP3 | 5555 GLENRIDGE CONNECTOR NE STE 600 ATLANTA, GA 303424765 | METROPOLITAN LIFE INSURANCE COMPANY | — | $58 | $58 | 0.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE RALEIGH, NE 276124954 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4 | $4 | 0.00% |
| SANFORD INSURANCE LLC3 Filed as: THE SANFORD COMPANY | 4468 FORSYTH RD MACON, GA 31210 | HARTFORD LIFE AND ACCIDENT | $48K | — | $48K | 20.00% |
| STEVEN L BARKER3 | 121 HAMPTON RIDGE RD MACON, GA 31220 | AFLAC | $13K | $1K | $14K | 7.59% |
| LORRI STEMBRIDGE LLC3 | 5144 OAKTREE DR OAKTREE DR MACON, GA 31210 | AFLAC | $6K | $231 | $6K | 3.44% |
| SUSAN A SITZ3 | 1023 SEA PALMS WEST DR SAINT SIMONS ISLAND, GA 31522 | AFLAC | $3K | — | $3K | 1.72% |
| JASON B WEST3 | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $2K | $215 | $3K | 1.41% |
| ELIZABETH HICKMAN3 | 121 WYLIE RD DUBLIN, GA 31021 | AFLAC | $1K | $3 | $1K | 0.83% |
| CRYSTAL ELAINE THORN3 | 815 GLENWOOD AVE PERRY, GA 31069 | AFLAC | $1K | — | $1K | 0.76% |
| POWELL ENTERPRISES LLC3 | 107 SOUTHERN BLVD STE 103A SAVANNAH, GA 31405 | AFLAC | $985 | — | $985 | 0.55% |
| WILLIAM L AMOS & CO INC3 | 6801 RIVER RD STE 205 COLUMBUS, GA 31904 | AFLAC | $520 | — | $520 | 0.29% |
| SUSAN A SITZ3 | 1204 FAIRWAY DR PERRY, GA 31069 | AFLAC | $484 | — | $484 | 0.27% |
| MICHAEL J MILLER3 | 125 PLANTATION CENTRE DR S STE 900B MACON, GA 31210 | AFLAC | $443 | — | $443 | 0.25% |
| PATRICIA R ARWOOD3 | 851 CHRISTEN RD JULIETTE, GA 31046 | AFLAC | $211 | $33 | $244 | 0.14% |
| MICHELLE COLE AND ASSOC INC3 | PO BOX 28363 MACON, GA 31221 | AFLAC | $150 | — | $150 | 0.08% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $142 | — | $142 | 0.08% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY GROUP LLC | 3715 NORTHSIDE PKWY NW BLDG 200 STE 400 ATLANTA, GA 30327 | AFLAC | $142 | — | $142 | 0.08% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | AFLAC | $140 | — | $140 | 0.08% |
| JESSICA MONTGOMERY3 | 2065 GRANT RD QUAKERTOWN, PA 18951 | AFLAC | $135 | — | $135 | 0.08% |
| FRANCINE A CHRISTIANSON3 | PO BOX 7251 MACON, GA 31209 | AFLAC | $102 | — | $102 | 0.06% |
| KEVIN H JACKSON3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $94 | — | $94 | 0.05% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $93 | — | $93 | 0.05% |
| WILLIAM FARMER3 Filed as: WILLIAM G FARMER | 4931 RIVERSIDE DR STE 100 C MACON, GA 31210 | AFLAC | $88 | — | $88 | 0.05% |
| CANDACE JACKSON3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $69 | — | $69 | 0.04% |
| F&G DIVERSIFIED LLC3 | PO BOX 7251 MACON, GA 31209 | AFLAC | $65 | — | $65 | 0.04% |
| AMY GREEN3 Filed as: AMY F GREEN | 715 E 53RD ST SAVANNAH, GA 31405 | AFLAC | $65 | — | $65 | 0.04% |
| MARGARET TOLBERT INC3 Filed as: MARGARET S TOLBERT INC | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $60 | — | $60 | 0.03% |
| STEPHAN E CHEEK3 Filed as: STEPHAN CHEEK | PO BOX 7152 MACON, GA 31209 | AFLAC | $56 | — | $56 | 0.03% |
| TAMARA C MCBRYANT3 | 954 MATTHEWS DRIVE MACON, GA 31210 | AFLAC | $36 | — | $36 | 0.02% |
| LYNN SIMS3 Filed as: LYNN M SIMS | 35 SASSAFRAS TRL SAVANNAH, GA 31404 | AFLAC | $35 | — | $35 | 0.02% |
| TRAVERS W PAINE IV3 | PO BOX 14953 AUGUSTA, GA 30919 | AFLAC | $31 | — | $31 | 0.02% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $30 | — | $30 | 0.02% |
| SUE C TUCKER3 | 1224 PEACOCK AVE SUITE 205 COLUMBUS, GA 31906 | AFLAC | $28 | — | $28 | 0.02% |
| WAYNE GULLATT3 | PO BOX 6253 MACON, GA 31208 | AFLAC | $25 | — | $25 | 0.01% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $21 | — | $21 | 0.01% |
| CHRISTOPHER M DUBOIS3 | 165 RACETRACK DRIVE COCHRAN, GA 31014 | AFLAC | $19 | — | $19 | 0.01% |
| LAWRENCE F THAMES3 | 1419 HONEYSUCKLE LN SUGAR LAND, TX 77479 | AFLAC | $19 | — | $19 | 0.01% |
| DUSTI M ARMSTRONG3 | 704 E SEMINOLE DR BYRON, GA 31008 | AFLAC | $18 | — | $18 | 0.01% |
| GEORGE WILLIAMS3 Filed as: GEORGE WILLIAMS AND COMPANY | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $13 | — | $13 | 0.01% |
| KIMBERLY W MANDERS3 | 4232 QUAIL SPRINGS DR MARTINEZ, GA 30907 | AFLAC | $10 | — | $10 | 0.01% |
| WAYNE GULLATT3 Filed as: WAYNE E GULLATT | PO BOX 6253 MACON, GA 31208 | AFLAC | $10 | — | $10 | 0.01% |
| KIMBERLY D FARMER3 | 4931 RIVERSIDE DR STE 100C MACON, GA 31210 | AFLAC | $7 | — | $7 | 0.00% |
| RICHARD SMITHSON3 | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $6 | — | $6 | 0.00% |
| TERESA LUMMUS3 Filed as: TERESA A LUMMUS | 145 OCCNEE WOODS TRL SHARPSBURG, GA 30277 | AFLAC | $4 | — | $4 | 0.00% |
| KATHERINE HILL3 Filed as: KATHERINE T HILL | 217 SILVER BIRCH LN KATHLEEN, GA 31047 | AFLAC | $3 | — | $3 | 0.00% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES M PITZ3 | 84 MINK DRIVE CATAULA, GA 31804 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM L AMOS & CO INC3 | 6801 RIVER RD STE 205 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 510 | $271K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 510 | $271K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 510 | $271K |
| Short-term disability | AFLAC | 195 | $179K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 302 | $242K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 510 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.