| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POINTENORTH INS GROUP LLC3 Filed as: POINTENORTH INS GRP LLC | P O BOX 724728 ATLANTA, GA 31139 | AMERICAN UNITED LIFE INSURANCE COMPANY | $36K | — | $36K | 15.68% |
| POINTENORTH INSURANCE GROUP3 Filed as: POINTENORTH INSURANCE LLC | P O BOX 724728 ATLANTA, GA 31139 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC (G0386) | $8K | $192 | $8K | 20.55% |
| POINTENORTH INSURANCE GROUP3 Filed as: POINTENORTH INS GRP LLC - 960WO | P O BOX 724728 ATLANTA, GA 31139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $4K | $0 | $4K | 11.88% |
| POINTENORTH INSURANCE GROUP3 Filed as: POINTENORTH INS GRP LLC - 430T0 | P O BOX 724728 ATLANTA, GA 31139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $1K | $0 | $1K | 4.61% |
| THE CARSON GROUP INC3 Filed as: THE CARSON GROUP | P O BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $567 | $0 | $567 | 1.79% |
| JAMES E DAVID3 | 5300 OAKBROOK PKWY STE 350 NORCROSS, GA 30093 | AFLAC | $162 | $0 | $162 | 0.99% |
| SHARON L HALL3 | P O BOX 1857 DAWSONVILLE, GA 30534 | AFLAC | $112 | $0 | $112 | 0.69% |
| FRANCINE A CHRISTIANSON3 | 20 VILLA RD BRUNSWICK, GA 31525 | AFLAC | $99 | $0 | $99 | 0.61% |
| V C SMITH LLC3 | 1352 HARVARD RD NE ATLANTA, GA 30306 | AFLAC | $80 | $0 | $80 | 0.49% |
| TODD STEVEN BROOME3 | 4408 MISTY COVE CT AUGUSTA, GA 30907 | AFLAC | $72 | $0 | $72 | 0.44% |
| DEJUAN B MARTIN3 | 6600 SHOAL CREEK RD CLERMOND, GA 30527 | AFLAC | $70 | $0 | $70 | 0.43% |
| TERRIE N ALLISON3 Filed as: TERRIE NEAL ALLISON | 52 HOPE DR UNIT B CLEVELAND, GA 30528 | AFLAC | $70 | $0 | $70 | 0.43% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $59 | $0 | $59 | 0.36% |
| LYNETTE KAY DUTTON3 | 8015B LAUREL ASH AVE MYRTLE BEACH, SC 29572 | AFLAC | $56 | $0 | $56 | 0.34% |
| LORRI STEMBRIDGE LLC3 | 5144 OAKTREE DR MACON, GA 31210 | AFLAC | $55 | $0 | $55 | 0.34% |
| CINDY WILLIAMS3 Filed as: CINDY T WILLIAMS | 4541 HICKORY SHORES BLVD GULF BREEZE, FL 32563 | AFLAC | $48 | $0 | $48 | 0.29% |
| ROBERT P FERRONE3 Filed as: ROBERT C MOBLEY | 7139 BROAD RIVER RD IRMO, SC 29063 | AFLAC | $47 | $0 | $47 | 0.29% |
| THOMAS ROBERT GIDDENS3 | P O BOX 2517 KENNESAW, GA 30156 | AFLAC | $46 | $0 | $46 | 0.28% |
| DIANE M MCCOLLUM3 | 1127 KIRK PL AUGUSTA, GA 30909 | AFLAC | $44 | $0 | $44 | 0.27% |
| LAVADA LYNN SCARLETT3 | 3619 SHADY OAK TRL GAINESVILLE, GA 30506 | AFLAC | $42 | $0 | $42 | 0.26% |
| RICHARD SMITHSON3 Filed as: RICHARD A SMITHSON | 2145 SAULS PL ALPHARETTA, GA 30004 | AFLAC | $39 | $0 | $39 | 0.24% |
| AMERICARE BENEFITS CORPORATION3 | 1017 WHITESVILLE WALK DR COLUMBUS, GA 31904 | AFLAC | $37 | $0 | $37 | 0.23% |
| MARIA KATERYN RADCLIFFE3 | 152 NATALIE LN GRANVILLE, OH 43023 | AFLAC | $36 | $0 | $36 | 0.22% |
| DANIEL FITZGERALD INC3 Filed as: DANIEL S FITZGERALD | 4119 SHADY OAKS DR AUGUSTA, GA 30907 | AFLAC | $36 | $0 | $36 | 0.22% |
| J BECK INC3 | P O BOX 5386 COLUMBUS, GA 31906 | AFLAC | $31 | $0 | $31 | 0.19% |
| KIMBERLY ANN GARRISON3 | 73 MAYRANT BLUFF LN UNIT 73 GEORGETOWN, SC 29440 | AFLAC | $29 | $0 | $29 | 0.18% |
| KATHY B MOBLEY3 | 173 WAVERLY CIR WAVERLY HALL, GA 31831 | AFLAC | $28 | $0 | $28 | 0.17% |
| JASON B WEST3 | 1701 BASS RD STE 200 MACON, GA 31210 | AFLAC | $27 | $0 | $27 | 0.17% |
| HENRY E CHAMBERS JR3 | 4625 STILETTO CT MARTINEZ, GA 30907 | AFLAC | $27 | $0 | $27 | 0.17% |
| WARREN STOVALL WALKER3 | 2623 WASHINGTON RD STE D101 AUGUSTA, GA 30904 | AFLAC | $22 | $0 | $22 | 0.13% |
| BRENDA WALTON HALL3 | 71 FOX GLOVE CT CATAULA, GA 31804 | AFLAC | $20 | $0 | $20 | 0.12% |
| GEORGE WILLIAMS3 Filed as: GEORGE LOWNDES WILLIAMS | 110 CAMBRIDGE DR N MILLEDGEVILLE, GA 31061 | AFLAC | $18 | $0 | $18 | 0.11% |
| COLLEEN M KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $18 | $0 | $18 | 0.11% |
| HENRY T FOLSOM3 | 345 W RUTHERFORD ST ATHENS, GA 30606 | AFLAC | $15 | $0 | $15 | 0.09% |
| JOHN B COLLINS3 | 159 PA JOHNS RD NE MILLEDGEVILLE, GA 31061 | AFLAC | $13 | $0 | $13 | 0.08% |
| PODNAS INC / BECK & ASSOC3 | 3274 CONFETTI BLUSH DR COLUMBUS, GA 31909 | AFLAC | $13 | $0 | $13 | 0.08% |
| SAIC INC3 | 1639 BRADLEY PARK DR ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $13 | $0 | $13 | 0.08% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 2145 SAULS PL ALPHARETTA, GA 30004 | AFLAC | $12 | $0 | $12 | 0.07% |
| KERRY C EZZELL3 | P O BOX 15074 AUGUSTA, GA 30919 | AFLAC | $12 | $0 | $12 | 0.07% |
| KEITH LIN BELICH3 | 8408 TIMBER CREEK DR PIKE ROAD, AL 36064 | AFLAC | $10 | $0 | $10 | 0.06% |
| BRIAN K CHAMBERS3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $9 | $0 | $9 | 0.06% |
| ALICIA B CLIFTON3 | 1715 SPARTAN LANE HOSCHTON, GA 30548 | AFLAC | $6 | $0 | $6 | 0.04% |
| SYNOVUS SECURITIES INC3 | P O BOX 2628 COLUMBUS, GA 31902 | AFLAC | $6 | $0 | $6 | 0.04% |
| WILLIAM L AMOS & CO INC3 | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $5 | $0 | $5 | 0.03% |
| J STAN ALLEN INC3 | 1800 BUENA VISTA RD COLUMBUS, GA 31906 | AFLAC | $5 | $0 | $5 | 0.03% |
| PAUL SHELBY AMOS II3 | 6801 RIVER RD STE 2100 COLUMBUS, GA 31904 | AFLAC | $4 | $0 | $4 | 0.02% |
| LARRY W FLOWERS3 | 930 WOODLAND SAUTEE NACHOOCHEE, GA 30571 | AFLAC | $4 | $0 | $4 | 0.02% |
| DEBORAH B SMITH3 | 647 WOOD POINT WAY DALLAS, GA 30157 | AFLAC | $3 | $0 | $3 | 0.02% |
| CHAMCO LLC3 | 8 NIGHTWIND CT COLUMBUS, GA 31909 | AFLAC | $3 | $0 | $3 | 0.02% |
| SCOTT A SMITH3 | 6340 SUGARLOAF PKWY STE 200 DULUTH, GA 30097 | AFLAC | $2 | $0 | $2 | 0.01% |
| SUSAN REDDOCH BUFFINGTON3 | P O BOX 344 MANCHESTER, GA 31816 | AFLAC | $2 | $0 | $2 | 0.01% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUNTINGTON BCH, CA 92646 | AFLAC | $2 | $0 | $2 | 0.01% |
| ANA MARIE GARCIA SMITH3 | 4504 FAWNIE LN KNOXVILLE, TN 37918 | AFLAC | $2 | $0 | $2 | 0.01% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $2 | $0 | $2 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, GA 31904 | AFLAC | $2 | $0 | $2 | 0.01% |
| DONALD BECK JR3 Filed as: DONALD W BECK SR | 1103 MARINA COVE CIR COLUMBUS, GA 31904 | AFLAC | $2 | $0 | $2 | 0.01% |
| KATHERINE LATIMER3 | 5093 BOONE LINKS LN COLUMBUS, GA 31909 | AFLAC | $1 | $0 | $1 | 0.01% |
| JENNIFER SMITH3 Filed as: JENNIFER L SMITH | 4640 S STEWART AVE SPRINGFIELD, MO 65804 | AFLAC | $1 | $0 | $1 | 0.01% |
| TERESA LUMMUS3 Filed as: TERESA A LUMMUS | 145 OCONEE WOODS TRL SHARPSBURG, GA 30277 | AFLAC | $1 | $0 | $1 | 0.01% |
| SUSAN P WATLEY3 | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $1 | $0 | $1 | 0.01% |
| LEE RYAN MCGRAW3 | 726 MEADOWBROOK RD CARROLLTON, GA 30117 | AFLAC | $0 | $0 | $0 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $0 | $0 | $0 | 0.00% |
| SUE C TUCKER3 | 9856 US HIGHWAY 29 N CUSSETA, AL 36852 | AFLAC | $0 | $0 | $0 | 0.00% |
| RPM LTD3 | P O BOX 1016 YULEE, FL 32041 | AFLAC | $0 | $0 | $0 | 0.00% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $0 | $0 | $0 | 0.00% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA INC (G0386) | 241 | $40K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 326 | $228K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 326 | $228K |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 326 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.