| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC3 | 200 W. ADAMS SUITE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | $0 | $1K | $1K | 0.30% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICE | 400 INTERSTATE N PKWY SUITE 300 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY | $30K | $6K | $37K | 16.05% |
| EILEEN MARIE STILLWELL3 | 3252 MARICOPA DR COLUMBUS, GA 31907 | AFLAC | $1K | $0 | $1K | 11.77% |
| FRANK R GRIFFIN JR3 Filed as: FRANK R GRIFFIN JR (CHIP) | 8601 GARRETT RD PO BOX 233 MIDLAND, GA 31820 | AFLAC | $249 | $0 | $249 | 2.59% |
| JOHN E CARTER III3 | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $189 | $0 | $189 | 1.96% |
| D ISAAC TILLOTSON3 | 62 OTTER DR CATAULA, GA 31804 | AFLAC | $71 | $0 | $71 | 0.74% |
| MARTY JOE TURNER3 | PO BOX 43 MAUK, GA 31058 | AFLAC | $61 | $0 | $61 | 0.63% |
| JERALD DEE LEWARK3 | 6796 SCOTER DR MIDLAND, GA 31820 | AFLAC | $24 | $0 | $24 | 0.25% |
| WILLIAM L AMOS & CO INC3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $18 | $0 | $18 | 0.19% |
| J STAN ALLEN INC3 | 1800 BUENA VISTA RD COLUMBUS, GA 31906 | AFLAC | $18 | $0 | $18 | 0.19% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $11 | $0 | $11 | 0.11% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $3 | $0 | $3 | 0.03% |
| TERESA LUMMUS3 Filed as: TERESA A LUMMUS | 145 OCONEE WOODS TRL SHARPSBURG, GA 30277 | AFLAC | $3 | $0 | $3 | 0.03% |
| RPM LTD3 | PO BOX 1016 YULEE, FL 32041 | AFLAC | $2 | $0 | $2 | 0.02% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $1 | $0 | $1 | 0.01% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 124 | $228K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 124 | $228K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 124 | $228K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 124 | $228K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 124 | $228K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 90 | $366K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 124 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.