| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARKERZ INSURANCE LLC3 | 1709-A GORNTO RD. VALDOSTA, GA 31601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 7.22% |
| JRP AGENCY LLC3 Filed as: JRP AGENCY, LLC | 6287 COOPER RD, NE VALDOSTA, GA 31605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 5.17% |
| GERALD L URSREY3 | PO BOX 344 PONTE VEDRA BEACH, FL 32004 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.59% |
| BRETT O'BRIEN3 Filed as: BRETT OBRIEN | 3382 RIVENDELL CT. ROSWELL, GA 30075 | STANDARD INSURANCE COMPANY | $956 | — | $956 | 1.83% |
| PARTNERS BENEFIT GROUP LLC3 | 1476 CARPENTER RD., S TIFTON, GA 31793 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $379 | $3K | 5.89% |
| PARKERZ INSURANCE LLC3 | 3350 COUNTRY CLUB RD STE A VALDOSTA, GA 31605 | AFLAC | $390 | — | $390 | 4.35% |
| JAMES R PARKER3 Filed as: JAMES RUSSELL PARKER | 6287 COOPER RD, NE VALDOSTA, GA 31605 | AFLAC | $149 | — | $149 | 1.66% |
| JOHN E DRIVER, JR.3 | 2606 PEBBLEWOOD DR. VALDOSTA, GA 31602 | AFLAC | $110 | — | $110 | 1.23% |
| EMILY T. PARKER3 | 4676 SAN SABA DR. HAHIRA, GA 31632 | AFLAC | $94 | — | $94 | 1.05% |
| PARKERZ INSURANCE LLC3 Filed as: PARKERZ INSURANCE, LLC | 4676 SAN SABA DR. HAHIRA, GA 31632 | AFLAC | $50 | — | $50 | 0.56% |
| CARSON LEE CHERRY3 | 1425 PIEDMONT DR E STE 101B TALLAHASSEE, FL 32308 | AFLAC | $44 | — | $44 | 0.49% |
| LARA CARLSON3 Filed as: LARA K. CARLSON | 106 LAUREL VIEW DR. ST. SIMONS ISLAND, GA 31522 | AFLAC | $43 | — | $43 | 0.48% |
| SELINA STURGIS3 | 4095 DASHER RD. LAKE PARK, GA 31636 | AFLAC | $39 | — | $39 | 0.43% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM L. AMOS & CO., INC. | 7100 STILLWATER DR. COLUMBUS, GA 31904 | AFLAC | $17 | — | $17 | 0.19% |
| KELLY LEBSACK3 Filed as: KELLY D. LEBSACK | 2084 COVERED BRIDGE PKWY WINDSOR, CO 80550 | AFLAC | $15 | — | $15 | 0.17% |
| SUE C TUCKER3 Filed as: SUE C. TUCKER | 9856 US HWY 29 N CUSSETA, AL 36852 | AFLAC | $15 | — | $15 | 0.17% |
| BRYAN SHOVER3 Filed as: BRYAN D. SHOVER | 309 KNOB HILL RD. VALDOSTA, GA 31602 | AFLAC | $12 | — | $12 | 0.13% |
| J BECK INC3 Filed as: J BECK, INC, | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $9 | — | $9 | 0.10% |
| TROY BLACK JR3 Filed as: TROY BLACK, JR. | PO BOX 1023 VALDOSTA, GA 31603 | AFLAC | $9 | — | $9 | 0.10% |
| KIM J WILLIAMS3 Filed as: KIM J. WILLIAMS | 3010 WILLIAMS RD. LEWISVILLE, NC 27023 | AFLAC | $7 | — | $7 | 0.08% |
| PODNAS INC / BECK & ASSOC3 Filed as: PODNAS, INC. BECK ASSOC. | 3274 CONFETTI BLUSH DR. COLUMBUS, GA 31909 | AFLAC | $4 | — | $4 | 0.04% |
| BRADELY BOLICK3 | 6433 FALL BRANCH DR. COLUMBUS, GA 31904 | AFLAC | $4 | — | $4 | 0.04% |
| C R RAMSEY POTTS3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $2 | — | $2 | 0.02% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $2 | — | $2 | 0.02% |
| TERESA LUMMUS3 Filed as: TERESA A. LUMMUS | 145 OCONEE WOODS TRL. SHARPSBURG, GA 30277 | AFLAC | $1 | — | $1 | 0.01% |
| SUSAN P WATLEY3 Filed as: SUSAN P. WATLEY | 6366 INDEPENDENCE DR. COLUMBUS, GA 31909 | AFLAC | $1 | — | $1 | 0.01% |
| PARTNERS BENEFIT GROUP LLC3 | 1476 CARPENTER RD TIFTON, GA 31793 | SUN LIFE ASSURANCE COMPANY OF CANADA | $582 | — | $582 | 10.71% |
| PARTNERS BENEFIT GROUP LLC3 | 2040 CLAYBURN DR. CUMMING, GA 30040 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $127 | $127 | 2.34% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AFLAC | 24 | $9K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 125 | $43K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 73 | $5K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 155 | $135K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 73 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.