| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SANFORD INSURANCE LLC3 Filed as: THE SANFORD COMPANY | 4468 FORSYTH RD MACON, GA 31210 | HARTFORD LIFE AND ACCIDENT | $59K | — | $59K | 20.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $8K | $45K | 17.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.83% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 414 GALLIMORE DAIRY ROAD STE F GREENSBORO, NC 274099693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $702 | $702 | 0.27% |
| STEVEN L BARKER3 | 121 HAMPTON RIDGE RD MACON, GA 31220 | AFLAC | $12K | $271 | $12K | 6.68% |
| LORRI STEMBRIDGE LLC3 | 5144 OAKTREE DR MACON, GA 31210 | AFLAC | $5K | — | $5K | 2.60% |
| SUSAN A SITZ3 | 1023 SEA PALMS WEST DR SAINT SIMONS ISLAND, GA 31522 | AFLAC | $3K | $461 | $3K | 1.67% |
| CRYSTAL ELAINE THORN3 | 815 GLENWOOD AVE PERRY, GA 31069 | AFLAC | $2K | $192 | $2K | 1.31% |
| JASON B WEST3 | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $2K | — | $2K | 0.95% |
| POWELL ENTERPRISES LLC3 | 107 SOUTHERN BLVD STE 103A SAVANNAH, GA 31405 | AFLAC | $666 | $188 | $854 | 0.46% |
| MICHAEL J MILLER3 | 3566 RIDGE AVE MACON, GA 31204 | AFLAC | $778 | $15 | $793 | 0.43% |
| ELIZABETH HICKMAN3 | 121 WYLIE RD DUBLIN, GA 31021 | AFLAC | $685 | $95 | $780 | 0.42% |
| JOHN E CARTER III3 | 313 TROOP DR FORTSON, GA 31808 | AFLAC | $674 | — | $674 | 0.37% |
| WILLIAM L AMOS & CO INC3 | 6801 RIVER RD STE 205 COLUMBUS, GA 31904 | AFLAC | $487 | — | $487 | 0.27% |
| MICHAEL J MILLER3 | 125 PLANTATION CENTRE DR S STE 900B MACON, GA 31210 | AFLAC | $444 | $39 | $483 | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | AFLAC | $282 | — | $282 | 0.15% |
| WILLIAM JASON JOINER3 | 281 CARL VINSON PKWY STE H WARNER ROBINS, GA 31088 | AFLAC | $256 | — | $256 | 0.14% |
| BROCK POWELL3 | 3944 MURPHY CANYON RD STE C203 SAN DIEGO, CA 92123 | AFLAC | $162 | — | $162 | 0.09% |
| PATRICIA R ARWOOD3 | 851 CHRISTIAN RD JULIETTE, GA 31046 | AFLAC | $160 | — | $160 | 0.09% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $133 | — | $133 | 0.07% |
| JESSICA MONTGOMERY3 | 2065 GRANT RD QUAKERTOWN, PA 18951 | AFLAC | $132 | — | $132 | 0.07% |
| TRAVERS W PAINE IV3 | PO BOX 14963 AUGUSTA, GA 30919 | AFLAC | $92 | — | $92 | 0.05% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $87 | — | $87 | 0.05% |
| AMY GREEN3 Filed as: AMY F GREEN | 606 E 45TH ST SAVANNAH, GA 31405 | AFLAC | $65 | — | $65 | 0.04% |
| KEVIN H JACKSON3 | 1008 WARWICK DR MACON, GA 31210 | AFLAC | $63 | — | $63 | 0.03% |
| FRANCINE A CHRISTIANSON3 | PO BOX 7251 MACON, GA 31209 | AFLAC | $60 | — | $60 | 0.03% |
| WILLIAM FARMER3 Filed as: WILLIAM G FARMER | 712 IRONGATE STE 100 C MACON, GA 31220 | AFLAC | $60 | — | $60 | 0.03% |
| MARGARET TOLBERT INC3 Filed as: MARGARET S TOLBERT INC | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $60 | — | $60 | 0.03% |
| CANDACE JACKSON3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $52 | — | $52 | 0.03% |
| FRANCINE A CHRISTIANSON3 | 351 RIVER NORTH BLVD MACON, GA 31211 | AFLAC | $43 | — | $43 | 0.02% |
| F&G DIVERSIFIED LLC3 | PO BOX 7251 MACON, GA 31209 | AFLAC | $37 | — | $37 | 0.02% |
| WILLIAM JASON JOINER3 | 226 LEE ROAD 2206 SALEM, AL 36874 | AFLAC | $37 | — | $37 | 0.02% |
| 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% |
| STEPHAN E CHEEK3 Filed as: STEPHAN CHEEK | PO BOX 7152 MACON, GA 31209 | AFLAC | $32 | — | $32 | 0.02% |
| KIMBERLY W MANDERS3 | 4232 QUAIL SPRINGS CIRCLE MARTINEZ, GA 30907 | AFLAC | $30 | — | $30 | 0.02% |
| STATE BANK AND TRUST COMPANY3 Filed as: STATE BANK & TRUST COMPANY | PO BOX 28363 MACON, GA 31221 | AFLAC | $27 | — | $27 | 0.01% |
| WAYNE GULLATT3 | PO BOX 6253 MACON, GA 31208 | AFLAC | $25 | — | $25 | 0.01% |
| CORE MANAGEMENT RESOURCES3 | PO BOX 90 MACON, GA 31202 | AFLAC | $25 | — | $25 | 0.01% |
| KEVIN H JACKSON3 | 125 PLANTATION CENTRE DR S STE 900 MACON, GA 31210 | AFLAC | $24 | — | $24 | 0.01% |
| SUE C TUCKER3 | 9856 US HIGHWAY 29 N SUITE 205 CUSSETA, AL 36852 | AFLAC | $24 | — | $24 | 0.01% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $22 | — | $22 | 0.01% |
| CANDACE JACKSON3 | 1008 WARWICK DR MACON, GA 31210 | AFLAC | $20 | — | $20 | 0.01% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $19 | — | $19 | 0.01% |
| LAWRENCE F THAMES3 | 2951 MARINA BAY DR STE 130-666 LEAGUE CITY, TX 77573 | AFLAC | $19 | — | $19 | 0.01% |
| DUSTI M ARMSTRONG3 | 704 E SEMINOLE DR BYRON, GA 31008 | AFLAC | $18 | — | $18 | 0.01% |
| CHRISTOPHER M DUBOIS3 | 165 RACETRACK DRIVE COCHRAN, GA 31014 | AFLAC | $17 | — | $17 | 0.01% |
| GEORGE WILLIAMS3 Filed as: GEORGE WILLIAMS AND COMPANY | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $12 | — | $12 | 0.01% |
| RICHARD SMITHSON3 | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $12 | — | $12 | 0.01% |
| JOHN MANDERSON3 Filed as: JOHN B MANDERSON | 6464 STANDING BOY RD COLUMBUS, GA 31904 | AFLAC | $12 | — | $12 | 0.01% |
| KEVIN H JACKSON3 | 14 LAZY HAMMOCK CT SAVANNAH, GA 31419 | AFLAC | $8 | — | $8 | 0.00% |
| MICHELLE COLE AND ASSOC INC3 | PO BOX 28363 MACON, GA 31221 | AFLAC | $7 | — | $7 | 0.00% |
| KIMBERLY D FARMER3 | 4931 RIVERSIDE DR STE 100C MACON, GA 31210 | AFLAC | $7 | — | $7 | 0.00% |
| GENE CHRISTIANSON3 Filed as: GENE ALLEN CHRISTIANSON | 351 RIVER NORTH BLVD MACON, GA 31211 | AFLAC | $7 | — | $7 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL & INSURANCE INC | 1000 NORTHSIDE XING MACON, GA 31210 | AFLAC | $7 | — | $7 | 0.00% |
| CANDACE JACKSON3 | 14 LAZY HAMMOCK CT SAVANNAH, GA 31409 | AFLAC | $7 | — | $7 | 0.00% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $6 | — | $6 | 0.00% |
| CW MCDANIELL INC3 | PO BOX 5567 COLUMBUS, GA 31906 | AFLAC | $6 | — | $6 | 0.00% |
| RICHARD SMITHSON3 Filed as: RICHARD A SMITHSON | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $6 | — | $6 | 0.00% |
| RICHARD CARTER SR3 Filed as: RICHARD K CARTER SR | 1224 PEACOCK AVE SUITE 205 COLUMBUS, GA 31906 | AFLAC | $3 | — | $3 | 0.00% |
| TERESA LUMMUS3 Filed as: TERESA A LUMMUS | 145 OCONEE WOODS TRL SHARPSBURG, GA 30277 | AFLAC | $2 | — | $2 | 0.00% |
| SUE C TUCKER3 | 1224 PEACOCK AVE SUITE 205 COLUMBUS, GA 31906 | AFLAC | $2 | — | $2 | 0.00% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD ST STE 259 MEMPHIS, TN 38119 | AFLAC | $1 | — | $1 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DR LAWRENCEVILLE, GA 30043 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN B COLLINS3 | 159 PA JOHNS RD NE MILLEDGEVILLE, GA 31061 | AFLAC | $1 | — | $1 | 0.00% |
| LEE RYAN MCGRAW3 | 1170 MANN RD DOUGLASVILLE, GA 30134 | 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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 517 | $256K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 517 | $256K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 517 | $440K |
| Short-term disability | AFLAC | 191 | $184K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 294 | $296K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 517 | $445K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.
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.