| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN L BARKER3 | 121 HAMPTON RIDGE RD MACON, GA 31220 | AFLAC | $15K | $416 | $15K | 7.92% |
| LORRI STEMBRIDGE LLC3 | 5144 OAKTREE DR MACON, GA 31210 | AFLAC | $4K | — | $4K | 2.27% |
| JASON B WEST3 | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $2K | — | $2K | 0.84% |
| CRYSTAL ELAINE THORN3 | 815 GLENWOOD AVE PERRY, GA 31069 | AFLAC | $1K | $171 | $1K | 0.68% |
| SUSAN A SITZ3 | 1023 SEA PALMS WEST DR SAINT SIMONS ISLAND, GA 31522 | AFLAC | $1K | — | $1K | 0.65% |
| CANDACE JACKSON3 | 6445 RIVOLI DR MACON, GA 31210 | AFLAC | $1K | — | $1K | 0.58% |
| STEPHEN C SNYDER3 Filed as: STEPHEN C SYNDER BENE SOLUTIONS LLC | 7600 CABOT DR APT 111 NASHVILLE, TN 37209 | AFLAC | $970 | — | $970 | 0.51% |
| MICHAEL J MILLER3 | 3566 RIDGE AVE MACON, GA 31204 | AFLAC | $618 | $89 | $707 | 0.37% |
| JOHN E CARTER III3 | 313 TROOP DR FORTSON, GA 31808 | AFLAC | $496 | $123 | $619 | 0.33% |
| BROOKE E SMITH3 | 1554 RUMBLE RD FORSYTH, GA 31029 | AFLAC | $520 | — | $520 | 0.27% |
| STEPHEN C SNYDER3 Filed as: STEPHEN C SYNDER BENE SOLUTIONS LLC | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $396 | — | $396 | 0.21% |
| BROCK POWELL3 | 3944 MURPHY CANYON RD STE C203 SAN DIEGO, CA 92123 | AFLAC | $343 | — | $343 | 0.18% |
| BROOKE E SMITH3 | 3715 VINEVILLE AVE MACON, GA 31204 | AFLAC | $335 | — | $335 | 0.18% |
| WILLIAM L AMOS & CO INC3 | 6801 RIVER RD STE 205 COLUMBUS, GA 31904 | AFLAC | $313 | — | $313 | 0.16% |
| MICHAEL J MILLER3 | 2711 HEYNIS S NEW BRAUNFELS, TX 78130 | AFLAC | $259 | — | $259 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | AFLAC | $236 | — | $236 | 0.12% |
| STEPHEN C SNYDER3 Filed as: STEPHEN C SYNDER BENE SOLUTIONS LLC | 3715 VINEVILLE AVE MACON, GA 31204 | AFLAC | $196 | — | $196 | 0.10% |
| WILLIAM L AMOS & CO INC3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $155 | — | $155 | 0.08% |
| PATRICIA R ARWOOD3 | 851 CHRISTIAN RD JULIETTE, GA 31046 | AFLAC | $128 | — | $128 | 0.07% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $127 | — | $127 | 0.07% |
| JESSICA MONTGOMERY3 | 2065 GRANT RD QUAKERTOWN, PA 18951 | AFLAC | $121 | — | $121 | 0.06% |
| LYNN SIMS3 Filed as: LYNN M SIMS | 35 SASSAFRAS TRL SAVANNAH, GA 31404 | AFLAC | $80 | $29 | $109 | 0.06% |
| FRANCINE A CHRISTIANSON3 | 351 RIVER NORTH BLVD MACON, GA 31211 | AFLAC | $102 | — | $102 | 0.05% |
| TRAVERS W PAINE IV3 | PO BOX 14963 AUGUSTA, GA 30919 | AFLAC | $92 | — | $92 | 0.05% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $83 | — | $83 | 0.04% |
| AMY GREEN3 Filed as: AMY F GREEN | 606 E 45TH ST SAVANNAH, GA 31405 | AFLAC | $67 | — | $67 | 0.04% |
| MARGARET TOLBERT INC3 Filed as: MARGARET S TOLBERT INC | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $63 | — | $63 | 0.03% |
| KEVIN H JACKSON3 | 1008 WARWICK DR MACON, GA 31210 | AFLAC | $56 | — | $56 | 0.03% |
| CORE MANAGEMENT RESOURCES3 | PO BOX 90 MACON, GA 31202 | AFLAC | $43 | — | $43 | 0.02% |
| KEVIN H JACKSON3 | 6445 RIVOLI DR MACON, GA 31210 | AFLAC | $41 | — | $41 | 0.02% |
| WILLIAM JASON JOINER3 | 281 CARL VINSON PKWY STE H WARNER ROBINS, GA 31088 | AFLAC | $37 | — | $37 | 0.02% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL & INSURANCE INC | 1000 NORTHSIDE XING MACON, GA 31210 | AFLAC | $37 | — | $37 | 0.02% |
| TAMARA C MCBRYANT3 | 954 MATTHEWS DRIVE MACON, GA 31210 | AFLAC | $36 | — | $36 | 0.02% |
| BROCK POWELL3 | 107 SOUTHERN BLVD STE 103A SAVANNAH, GA 31405 | AFLAC | $32 | — | $32 | 0.02% |
| WILLIAM FARMER3 Filed as: WILLIAM G FARMER | 712 IRONGATE MACON, GA 31220 | AFLAC | $31 | — | $31 | 0.02% |
| KIMBERLY W MANDERS3 | 4232 QUAIL SPRINGS CIRCLE MARTINEZ, GA 30907 | AFLAC | $30 | — | $30 | 0.02% |
| WAYNE GULLATT3 | PO BOX 6253 MACON, GA 31208 | AFLAC | $25 | — | $25 | 0.01% |
| SUE C TUCKER3 | 9856 US HIGHWAY 29 N CUSSETA, AL 36852 | AFLAC | $25 | — | $25 | 0.01% |
| LAWRENCE F THAMES3 | 2951 MARINA BAY DR STE 130-666 LEAGUE CITY, TX 77573 | AFLAC | $19 | — | $19 | 0.01% |
| STEPHAN E CHEEK3 Filed as: STEPHAN CHEEK | PO BOX 7152 MACON, GA 31209 | AFLAC | $18 | — | $18 | 0.01% |
| CHRISTOPHER M DUBOIS3 | 165 RACETRACK DRIVE COCHRAN, GA 31014 | AFLAC | $16 | — | $16 | 0.01% |
| RICHARD SMITHSON3 Filed as: RICHARD A SMITHSON | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $14 | — | $14 | 0.01% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $12 | — | $12 | 0.01% |
| DUSTI M ARMSTRONG3 | 704 E SEMINOLE DR BYRON, GA 31008 | AFLAC | $12 | — | $12 | 0.01% |
| GEORGE WILLIAMS3 Filed as: GEORGE WILLIAMS AND COMPANY | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $12 | — | $12 | 0.01% |
| JOHN MANDERSON3 Filed as: JOHN B MANDERSON | 6464 STANDING BOY RD COLUMBUS, GA 31904 | AFLAC | $12 | — | $12 | 0.01% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $11 | — | $11 | 0.01% |
| GENE CHRISTIANSON3 Filed as: GENE ALLEN CHRISTIANSON | 351 RIVER NORTH BLVD MACON, GA 31211 | AFLAC | $11 | — | $11 | 0.01% |
| CW MCDANIELL INC3 | PO BOX 5567 COLUMBUS, GA 31906 | AFLAC | $8 | — | $8 | 0.00% |
| KIMBERLY D FARMER3 | 4931 RIVERSIDE DR STE 100C MACON, GA 31210 | AFLAC | $7 | — | $7 | 0.00% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $6 | — | $6 | 0.00% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $6 | — | $6 | 0.00% |
| DUSTI M ARMSTRONG3 | 84 MCDONALD DR BYRON, GA 31008 | AFLAC | $6 | — | $6 | 0.00% |
| RICHARD SMITHSON3 Filed as: RICHARD A SMITHSON | 410 BAROQUE DR ALPHARETTA, GA 30009 | AFLAC | $5 | — | $5 | 0.00% |
| RICHARD CARTER SR3 Filed as: RICHARD K CARTER SR | 1224 PEACOCK AVE SUITE 205 COLUMBUS, GA 31906 | AFLAC | $4 | — | $4 | 0.00% |
| STATE BANK AND TRUST COMPANY3 Filed as: STATE BANK & TRUST COMPANY | PO BOX 28363 MACON, GA 31221 | AFLAC | $3 | — | $3 | 0.00% |
| JOHN B COLLINS3 | 159 PA JOHNS RD NE MILLEDGEVILLE, GA 31061 | AFLAC | $2 | — | $2 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 2100 BULLOCK BLUFF DR LOGANVILLE, GA 30052 | AFLAC | $1 | — | $1 | 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% |
| EMILY E INTOPPA3 | PO BOX 66 BOLINGBROKE, GA 31004 | AFLAC | $1 | — | $1 | 0.00% |
| LEE RYAN MCGRAW3 | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $1 | — | $1 | 0.00% |
| STEVEN L BARKER3 | 21 HAMPTON RIDGE ROAD MACON, GA 31220 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.95% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITSAT WORK | 820 THE EXCHANGE STE 750 ATLANTA, GA 30339 | TRANSAMERICA LIFE INSURANCE COMPANY | $926 | — | $926 | 2.10% |
| JASON B WEST3 | SUITE 200 701 BASS RD MACON, GA 31210 | TRANSAMERICA LIFE INSURANCE COMPANY | $925 | — | $925 | 2.10% |
| STEPHEN C SYNDER BENEFIT SOLUTIONS3 | 600 CABOT DR APT 111 NASHVILLE, TN 37209 | TRANSAMERICA LIFE INSURANCE COMPANY | $181 | — | $181 | 0.41% |
| CANDACE JACKSON3 | 25 PLANTATION CENTRE, DR, S. MACON, GA 31210 | TRANSAMERICA LIFE INSURANCE COMPANY | $181 | — | $181 | 0.41% |
| MICHAEL J MILLER3 | 16 GA HWY 137 W BUENA VISTA, GA 31803 | TRANSAMERICA LIFE INSURANCE COMPANY | $121 | — | $121 | 0.27% |
| JOHN E CARTER III3 | 313 TROOP DRIVE FORTSON, GA 31808 | TRANSAMERICA LIFE INSURANCE COMPANY | $18 | — | $18 | 0.04% |
| ANNA A STRIPLING4 | 234 VISTA CIRCLE MACON, GA 31204 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $146 | — | $146 | 8.37% |
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 | 433 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BERKLEY LIFE & HEALTH INS CO | 253 | $413K |
| Vision | BERKLEY LIFE & HEALTH INS CO | 253 | $413K |
| Life insurance(2 contracts, 2 carriers) | BERKLEY LIFE & HEALTH INS CO | 253 | $604K |
| Short-term disability(2 contracts, 2 carriers) | BERKLEY LIFE & HEALTH INS CO | 253 | $604K |
| Long-term disability(2 contracts, 2 carriers) | BERKLEY LIFE & HEALTH INS CO | 338 | $413K |
| Prescription drug | BERKLEY LIFE & HEALTH INS CO | 253 | $413K |
| Other(6 contracts, 6 carriers) | BERKLEY LIFE & HEALTH INS CO | 374 | $679K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.