| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONROY & ASSOCIATES INC.3 Filed as: CONROY & ASSOCIATES INC | 145 NORTHWIND TRL FAYETTEVILLE, GA 30214 | UNITED HEALTHCARE INSURANCE COMPANY | — | $37K | $37K | 4.10% |
| CONROY & ASSOCIATES INC.3 Filed as: CONROY & ASSOCIATES | PO BOX 142279 FAYETTEVILLE, GA 30214 | UNION SECURITY INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| CONROY & ASSOCIATES INC.3 Filed as: CONROY & ASSOCIATES INC | PO BOX 142279 FAYETTEVILLE, GA 30214 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| ANNA P BANKS3 | PO BOX 189 BROOKS, GA 30205 | AFLAC | $656 | $23 | $679 | 5.78% |
| SANDRA SIMS3 Filed as: SANDRA ALLEN | 479 GLENN RD FRANKLIN, GA 30217 | AFLAC | $312 | — | $312 | 2.65% |
| DEBBIE ST JOHN3 | 44 MAGNOLIA PKWAY HAMPTON, GA 30228 | AFLAC | $219 | — | $219 | 1.86% |
| DALE I DAVIS3 | 350 E SHORT ST NUMBER 416 LEXINGTON, KY 40507 | AFLAC | $210 | — | $210 | 1.79% |
| THOMAS D BAXTER3 | 98 BOX 86 FAYETTEVILLE, GA 30214 | AFLAC | $139 | — | $139 | 1.18% |
| ANDY B GLENN II3 Filed as: ANDY N GLENN II | 100 HARTSFIELD CENTER PKWY STE 500 ATLANTA, GA 30354 | AFLAC | $131 | $5 | $136 | 1.16% |
| KRISTEN L GOSDIN3 | 541 BANKSTOWN RD BROOKS, GA 30205 | AFLAC | $118 | — | $118 | 1.00% |
| DONNA M JOHNSON3 | 500 LANIER AVE W STE 912A FAYETTEVILLE, GA 30214 | AFLAC | $66 | $5 | $71 | 0.60% |
| RICHARD CARTER SR3 Filed as: RICHARD K CARTER SR | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $57 | — | $57 | 0.48% |
| J STAN ALLEN INC3 Filed as: L STAN ALLEN INC | 1800 BUENA VISTA RD COLUMBUS, GA 31906 | AFLAC | $43 | — | $43 | 0.37% |
| CW MCDANIEL INC3 | 98 BOX 5567 COLUMBUS, GA 31906 | AFLAC | $38 | — | $38 | 0.32% |
| SUE C TUCKER3 | 1224 PEACOCK AVE SUITE 105 COLUMBUS, GA 31906 | AFLAC | $28 | — | $28 | 0.24% |
| WILLIAM L AMOS & CO INC3 | 6801 RIVER RD COLUMBUS, GA 31904 | AFLAC | $27 | — | $27 | 0.23% |
| GEROGE H REYNOLDS III3 | 6724 GREEN ISLAND DR COLUMBUS, GA 31904 | AFLAC | $26 | — | $26 | 0.22% |
| SUE C TUCKER3 | 1124 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $23 | — | $23 | 0.20% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $22 | — | $22 | 0.19% |
| CHRISTOPHER BARHAM3 | 150 OLD MILL CT FAYETTEVILLE, GA 30214 | AFLAC | $20 | — | $20 | 0.17% |
| GEORGE WILLIAMS3 | 208 GRAND PARK BLVD CHARLESTON, SC 29492 | AFLAC | $6 | — | $6 | 0.05% |
| GEORGE WILLIAMS3 Filed as: GEORGE WILLIAMS AND COMPANY | 208 GRAND PARK BLVD CHARLESTON, GA 29492 | AFLAC | $5 | — | $5 | 0.04% |
| TERESA LUMMUS3 Filed as: TERESA A LUMMUS | 145 OCONEE WOODS TRL SHARPSBURG, GA 30277 | AFLAC | $3 | — | $3 | 0.03% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $3 | — | $3 | 0.03% |
| RPM LTD3 | PO BO 484 BLOOMINGDALE, GA 31302 | AFLAC | $3 | — | $3 | 0.03% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 168 | $891K |
| Dental | UNION SECURITY INSURANCE COMPANY | 111 | $50K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $33K |
| Other | AFLAC | 923 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 923 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.