| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $47K | $9K | $56K | 17.85% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $6K | $10K | 3.25% |
| LOCKTON COMPANIES, LLC3 | 6000 FELDWOOD ROAD COLLEGE PARK, GA 30349 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $5K | $33K | 11.79% |
| JEFFREY WINNINGHAM3 Filed as: JEFFREY M. WINNINGHAM | 3134 HUNT ROAD ACWORTH, GA 30102 | AFLAC | $3K | $51 | $3K | 9.10% |
| CHRISTOPHER JAMES CORROW3 | 2796 ASHLEIGH LANE ALPHARETTA, GA 30004 | AFLAC | $2K | $0 | $2K | 6.72% |
| MJ INSURANCE3 Filed as: JOSPEH DUCKETT AND VARIOUS AGENTS | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AFLAC | $457 | $4 | $461 | 1.51% |
| THOMAS D BAXTER3 Filed as: THOMAS D. BAXTER | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $302 | $11 | $313 | 1.02% |
| ANDY B GLENN II3 Filed as: ANDY B. GLENN II | 2999 DOUGLAS BOULEVARD, SUITE 180 ROSEVILLE, CA 95661 | AFLAC | $299 | $11 | $310 | 1.01% |
| BRIAN D ELY3 Filed as: BRIAN D. ELY | 2121 NEWMARKET PARKWAY SE SUITE 100 MARIETTA, GA 30067 | AFLAC | $234 | $0 | $234 | 0.77% |
| SEAN ARTHUR DUGGAN3 Filed as: SEAN A. DUGGAN | 4067 GOLD MILL RIDGE CANTON, GA 30114 | AFLAC | $192 | $2 | $194 | 0.63% |
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 | 489 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 856 | $313K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 856 | $313K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 856 | $313K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 489 | $283K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 489 | $283K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 856 | $313K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 489 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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.