| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | AETNA LIFE INSURANCE COMPANY | — | $19K | $19K | 4.81% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | ONEAMERICA | $36K | $8K | $44K | 16.01% |
| CHRISTY O. CHRISTIAN3 | 6235 BUCKINGHAM CIRCLE CUMMING, GA 30040 | AFLAC | $9K | $105 | $9K | 6.01% |
| MJ INSURANCE3 Filed as: DONNA M. JOHNSON AND VARIOUS AGENTS | 500 LANIER AVENUE WEST, SUITE 912A FAYETTEVILLE, GA 30214 | AFLAC | $7K | $198 | $8K | 5.01% |
| LAWSON BENEFITS GROUP LLC3 Filed as: LAWSON BENEFITS GROUP, LLC | PO BOX 86 FAYETTEVILLE, GA 30214 | AFLAC | $3K | $10 | $3K | 1.83% |
| THOMAS DEAN BAXTER3 | PO BOX 86 FAYETTEVILLE, GA 30214 | AFLAC | $2K | $10 | $2K | 1.13% |
| DEBORAH DAVIS3 | PO BOX 346 ORCHARD HILL, GA 30266 | AFLAC | $1K | — | $1K | 0.77% |
| MILLAN B TERRELL3 Filed as: MILLAN B. TERRELL | 500 LANIER AVENUE WEST, SUITE 912A FAYETTEVILLE, GA 30214 | AFLAC | $999 | — | $999 | 0.66% |
| LISA A. TAYLOR3 | 1616 SE ELLIS COURT, SUITE 224 PORT ORCHARD, WA 98367 | AFLAC | $790 | — | $790 | 0.52% |
| ASSURED NEACE LUKENS INS. AGENCY3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | AMERICAN HERITAGE LIFE | $5K | — | $5K | 11.30% |
| CHRISTY O. CHRISTIAN3 | 6235 BUCKINGHAM CIRCLE CUMMING, GA 30040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 20.28% |
| LAWSON BENEFITS GROUP LLC3 Filed as: LAWSON BENEFITS GROUP, LLC | 137 SCHOOL ROAD HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.99% |
| ANDY B GLENN II3 Filed as: ANDY B. GLENN | 4267 BRIGHTON WAY KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $404 | — | $404 | 2.25% |
| SUSAN PICKARD3 Filed as: SUSAN R. PICKARD | 503 FREEMAN ROAD BARNESVILLE, GA 30204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $307 | — | $307 | 1.71% |
| THOMAS DEAN BAXTER3 | PO BOX 335 SUNNYSIDE, GA 30284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $236 | — | $236 | 1.31% |
| MJ INSURANCE3 Filed as: DAVID C. CLOUD AND VARIOUS AGENTS | 89 GEMSTONE LANE ACWORTH, GA 30101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | — | $160 | 0.89% |
| RONALD S SANDERS3 Filed as: RONALD S. SANDERS | 7402 KINGS RIVER COURT HUMBLE, TX 77346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.41% |
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 | 395 | 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) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,203 | $592K |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,203 | $395K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,203 | $395K |
| Life insurance | ONEAMERICA | 395 | $274K |
| Long-term disability | ONEAMERICA | 395 | $274K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,203 | $395K |
| Other(4 contracts, 4 carriers) | ONEAMERICA | 395 | $490K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,203 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.