| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $13K | 10.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $10K | 10.67% |
| LISA MCDANIEL3 Filed as: LISA F. MCDANIEL | 5010 HAWKS RIDGE DR COLUMBUS, GA 31904 | AFLAC | $3K | $117 | $3K | 4.32% |
| VARIOUS UNDER 100 COMMISSIONS3 | 1601 DOVE LN CORPUS CHRISTI, TX 78418 | AFLAC | $1K | — | $1K | 1.96% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR. | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $851 | $15 | $866 | 1.20% |
| CW MCDANIEL INC3 | PO BOX 5567 COLUMBUS, GA 31906 | AFLAC | $759 | — | $759 | 1.05% |
| CW MCDANIEL INC3 Filed as: MCDANIEL NOBLES AGENCY | 1224 PEACOCK AVE STE 205A COLUMBUS, GA 31906 | AFLAC | $464 | — | $464 | 0.64% |
| CHARLES E MCDANIEL II3 Filed as: CHARLES E. MCDANIEL II | 1224 PEACOCK AVE STE 205E COLUMBUS, GA 31906 | AFLAC | $439 | — | $439 | 0.61% |
| CW MCDANIEL INC3 | 1224 PEACOCK AVE STE 205A COLUMBUS, GA 31906 | AFLAC | $209 | — | $209 | 0.29% |
| CHARLES E MCDANIEL II3 Filed as: CHARLES W. MCDANIEL | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $180 | — | $180 | 0.25% |
| BRENT LEE EDENFIELD3 | 269 WHITE OAK RD PINE MOUNTAIN, GA 31822 | AFLAC | $138 | — | $138 | 0.19% |
| JIMMY MESSICK JR3 Filed as: JIMMY C. MESSICK JR. | 2611 BLALOCK CIR PHENIX CITY, AL 36867 | AFLAC | $136 | — | $136 | 0.19% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM L. AMOS & CO INC | 7100 STILLWATER DR COLUMBUS, GA 31904 | AFLAC | $132 | — | $132 | 0.18% |
| KELLEY YOUNG3 | PO BOX 298 OWASSO, OK 74055 | AFLAC | $124 | — | $124 | 0.17% |
| TRACI LYNN MCCLAIN3 | 7908 FLAT SHOALS DR COLUMBUS, GA 31904 | AFLAC | $114 | — | $114 | 0.16% |
| SUZANNE MCFARLAND3 Filed as: SUZANNE L MCFARLAND | 1125 SETH ST CORPUS CHRISTI, TX 78418 | AFLAC | $108 | — | $108 | 0.15% |
| V C SMITH LLC3 | 1352 HARVARD RD NE ATLANTA, GA 30306 | AFLAC | $103 | — | $103 | 0.14% |
| DAVID JOHN HANKO3 | 1915 OLD RIVER RD FORTSON, GA 31808 | AFLAC | $101 | — | $101 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $440 | $3K | 10.45% |
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 | 373 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 373 | $192K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 373 | $114K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 373 | $98K |
| Other | AFLAC | 138 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.