| 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 | $61K | $808 | $62K | 20.34% |
| STEVEN L BARKER3 | 121 HAMPTON RIDGE RD MACON, GA 31220 | AFLAC | $10K | $783 | $11K | 5.33% |
| LORRI STEMBRIDGE LLC3 | 5144 OAKTREE DR MACON, GA 31210 | AFLAC | $5K | $7 | $5K | 2.54% |
| STEVEN L BARKER3 | 4931 RIVERSIDE DR STE 200A MACON, GA 31210 | AFLAC | $4K | $37 | $4K | 1.86% |
| CANDACE JACKSON3 | 6445 RIVOLI DR MACON, GA 31210 | AFLAC | $1K | $186 | $2K | 0.82% |
| JASON B WEST3 | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $2K | — | $2K | 0.78% |
| JESSICA S GRAHAM3 | 266 SMITH DR HADDOCK, GA 31033 | AFLAC | $1K | $40 | $1K | 0.68% |
| STEPHEN C SNYDER3 Filed as: STEPHEN C SYNDER BENE SOLUTIONS LLC | 5954 LEWIS ST UNIT 101 DALLAS, TX 75206 | AFLAC | $1K | $179 | $1K | 0.65% |
| SUSAN A SITZ3 | 50 AVIATOR PLZ STE 105C SAINT SIMONS ISLAND, GA 31522 | AFLAC | $832 | — | $832 | 0.42% |
| BROOKE E SMITH3 | 1554 RUMBLE RD FORSYTH, GA 31029 | AFLAC | $531 | $110 | $641 | 0.33% |
| MICHAEL J MILLER3 | 2711 HEYNIS S NEW BRAUNFELS, TX 78130 | AFLAC | $567 | — | $567 | 0.29% |
| CRYSTAL ELAINE THORN3 | 815 GLENWOOD AVE PERRY, GA 31069 | AFLAC | $493 | — | $493 | 0.25% |
| WILLIAM L AMOS & CO INC3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $457 | — | $457 | 0.23% |
| SUSAN A SITZ3 | 1023 SEA PALMS WEST DR SAINT SIMONS ISLAND, GA 31522 | AFLAC | $416 | — | $416 | 0.21% |
| BROCK POWELL3 | 3944 MURPHY CANYON RD STE C203 SAN DIEGO, CA 92123 | AFLAC | $371 | — | $371 | 0.19% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | AFLAC | $239 | — | $239 | 0.12% |
| JOHN E CARTER III3 | 313 TROOP DR FORTSON, GA 31808 | AFLAC | $211 | — | $211 | 0.11% |
| THE SNYDER BENEFITS FIRM LLC3 | 5954 LEWIS ST UNIT 101 DALLAS, TX 75206 | AFLAC | $160 | — | $160 | 0.08% |
| PATRICIA R ARWOOD3 | 851 CHRISTIAN RD JULIETTE, GA 31046 | AFLAC | $128 | — | $128 | 0.06% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $122 | — | $122 | 0.06% |
| JESSICA MONTGOMERY3 | 4232 KOZY KORNER RD CENTER VALLEY, PA 18034 | AFLAC | $113 | — | $113 | 0.06% |
| FRANCINE A CHRISTIANSON3 | 240 VILLA RD BRUNSWICK, GA 31525 | AFLAC | $102 | — | $102 | 0.05% |
| TRAVERS W PAINE IV3 | PO BOX 14963 AUGUSTA, GA 30919 | AFLAC | $92 | — | $92 | 0.05% |
| KEVIN H JACKSON3 | 6445 RIVOLI DR MACON, GA 31210 | AFLAC | $92 | — | $92 | 0.05% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $79 | — | $79 | 0.04% |
| MARGARET TOLBERT INC3 Filed as: MARGARET S TOLBERT INC | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $64 | — | $64 | 0.03% |
| AMY GREEN3 Filed as: AMY F GREEN | 606 E 45TH ST SAVANNAH, GA 31405 | AFLAC | $63 | — | $63 | 0.03% |
| LYNN SIMS3 Filed as: LYNN M SIMS | 35 SASSAFRAS TRL SAVANNAH, GA 31404 | AFLAC | $62 | — | $62 | 0.03% |
| CORE MANAGEMENT RESOURCES3 | PO BOX 90 MACON, GA 31202 | AFLAC | $43 | — | $43 | 0.02% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL & INSURANCE INC | 1000 NORTHSIDE XING MACON, GA 31210 | AFLAC | $40 | — | $40 | 0.02% |
| TAMARA C MCBRYANT3 | 954 MATTHEWS DRIVE MACON, GA 31210 | AFLAC | $36 | — | $36 | 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% |
| WILLIAM FARMER3 Filed as: WILLIAM G FARMER | 712 IRONGATE MACON, GA 31220 | AFLAC | $22 | — | $22 | 0.01% |
| LYNN SIMS3 Filed as: LYNN M SIMS | 143 RYAN NICHOLAS DR KINGSLAND, GA 31548 | AFLAC | $21 | — | $21 | 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 6253 MACON, GA 31208 | AFLAC | $18 | — | $18 | 0.01% |
| RICHARD SMITHSON3 Filed as: RICHARD A SMITHSON | 2145 SAULS PL ALPHARETTA, GA 30004 | AFLAC | $18 | — | $18 | 0.01% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $18 | — | $18 | 0.01% |
| DUSTI M ARMSTRONG3 | 84 MCDONALD DR BYRON, GA 31008 | AFLAC | $18 | — | $18 | 0.01% |
| CHRISTOPHER M DUBOIS3 | 165 RACETRACK DRIVE COCHRAN, GA 31014 | AFLAC | $16 | — | $16 | 0.01% |
| GEORGE WILLIAMS3 Filed as: GEORGE WILLIAMS AND COMPANY | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $8 | — | $8 | 0.00% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $8 | — | $8 | 0.00% |
| KIMBERLY D FARMER3 | 286 RUE CARIBE MIRAMAR BEACH, FL 32550 | AFLAC | $7 | — | $7 | 0.00% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $6 | — | $6 | 0.00% |
| EMILY E INTOPPA3 | PO BOX 66 BOLINGBROKE, GA 31004 | AFLAC | $5 | — | $5 | 0.00% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 110 CAMBRIDGE DR N MILLEDGEVILLE, GA 31061 | AFLAC | $4 | — | $4 | 0.00% |
| JOHN B COLLINS3 | 159 PA JOHNS RD NE MILLEDGEVILLE, GA 31061 | AFLAC | $2 | — | $2 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $1 | — | $1 | 0.00% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD ST STE 259 MEMPHIS, TN 38119 | AFLAC | $1 | — | $1 | 0.00% |
| LEE RYAN MCGRAW3 | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.20% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.80% |
| STEVEN L BARKER3 | 4931 RIVERSIDE DR BLDG 200A MACON, GA 31210 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.55% |
| VOLUNTARY BENEFITS AT WORK3 Filed as: VOLUNTARY BENEFITSAT WORK | 2121 NEW MARKET PKWY SE SUITE 100 MARIETTA, GA 30067 | TRANSAMERICA LIFE INSURANCE COMPANY | $828 | — | $828 | 1.98% |
| JASON B WEST3 | 701 BASS RD SUITE 200 MACON, GA 31210 | TRANSAMERICA LIFE INSURANCE COMPANY | $772 | — | $772 | 1.85% |
| STEPHEN C SYNDER BENEFIT SOLUTIONS3 | 7600 CABOT DR APT 111 NASHVILLE, TN 37209 | TRANSAMERICA LIFE INSURANCE COMPANY | $158 | — | $158 | 0.38% |
| CANDACE JACKSON3 | 125 PLANTATION CENTRE, DR, S. SUITE 900B MACON, GA 31210 | TRANSAMERICA LIFE INSURANCE COMPANY | $125 | — | $125 | 0.30% |
| MICHAEL J MILLER3 | 16 GA HWY 137 W BUENA VISTA, GA 31803 | TRANSAMERICA LIFE INSURANCE COMPANY | $97 | — | $97 | 0.23% |
| WHITNEY L MILLWOOD3 | 14727 SILVER GLEN DR E JACKSONVILE, FL 32258 | TRANSAMERICA LIFE INSURANCE COMPANY | $92 | — | $92 | 0.22% |
| JOHN E CARTER III3 | 313 TROOP DRIVE FORTSON, GA 31808 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| HENRY W MCCRAY3 | 1050 CROWN POINTE PKWY STE 1500 ATLANTA, GA 303387704 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $462 | — | $462 | 2.01% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.44% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR STE 1800 GREENSBORO, NC 27409 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $697 | — | $697 | 4.56% |
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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 2 carriers) | AFLAC | 361 | $254K |
| Short-term disability | AFLAC | 199 | $197K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 351 | $304K |
| Other(7 contracts, 6 carriers) | AFLAC | 374 | $330K |
| 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.