| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $3 | $20K | 2.63% |
| CHRISTY O. CHRISTIAN3 | 6235 BUCKINGHAM CIRCLE CUMMING, GA 30040 | AFLAC | $13K | $379 | $13K | 7.13% |
| MJ INSURANCE3 Filed as: DENNIS COPLAND AND VARIOUS AGENTS | 9930 LBJ FREEWAY, SUITE 1125 DALLAS, TX 75243 | AFLAC | $10K | $184 | $10K | 5.34% |
| LAWSON BENEFITS GROUP LLC3 Filed as: LAWSON BENEFITS GROUP, LLC | PO BOX 86 FAYETTEVILLE, GA 30214 | AFLAC | $3K | — | $3K | 1.59% |
| MILLAN B TERRELL3 Filed as: MILLAN TERRELL | 500 LANIER AVENUE WEST SUITE 912A FAYETTEVILLE, GA 30214 | AFLAC | $2K | $76 | $2K | 1.13% |
| THOMAS BAXTER3 | PO BOX 86 FAYETTEVILLE, GA 30214 | AFLAC | $2K | — | $2K | 1.00% |
| DEBORAH DAVIS3 | PO BOX 346 ORCHARD HILL, GA 30266 | AFLAC | $1K | — | $1K | 0.74% |
| ANDY B GLENN II3 Filed as: ANDY GLENN II | 100 HARTSFIELD CENTER PARKWAY SUITE 500 ATLANTA, GA 30354 | AFLAC | $1K | $76 | $1K | 0.72% |
| JAMES A. SUTHERLAND3 | 230 GREENCASTLE ROAD TYRONE, GA 30034 | TRANSAMERICA LIFE INSURANCE COMPANY | $9K | — | $9K | 13.71% |
| CHRISTY O. CHRISTIAN3 | 6235 BUCKINGHAM CIRCLE CUMMING, GA 30040 | TRANSAMERICA LIFE INSURANCE COMPANY | $7K | — | $7K | 10.05% |
| MATHIEU F. GRIFFIN3 | 230 GREENCASTLE ROAD TYRONE, GA 30290 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.55% |
| ALEXANDER B. MARTIN JR.3 | 602 PINEPOINT CIRCLE VALDOSTA, GA 31602 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.15% |
| CURTIS A. DASHER3 | 903 WORTH AVENUE VALDOSTA, GA 31602 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.15% |
| MJ INSURANCE3 Filed as: ALEXNADER MARTIN AND VARIOUS AGENTS | 138 GREISON TRAIL, APARTMENT 3207 NEWNAN, GA 30263 | TRANSAMERICA LIFE INSURANCE COMPANY | $117 | — | $117 | 0.17% |
| DICKIE L. STUKES3 | 101 BISHOP CIRCLE PELHAM, AL 35124 | TRANSAMERICA LIFE INSURANCE COMPANY | $89 | — | $89 | 0.13% |
| ASSUREDPARTNERS3 | 4000 SMITH ROAD, SUITE 400 CINCINNATI, OH 45209 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 9.86% |
| CHRISTY O. CHRISTIAN3 | 6235 BUCKINGHAM CIRCLE CUMMING, GA 30040 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 11.53% |
| LAWSON BENEFITS GROUP LLC3 Filed as: LAWSON BENEFITS GROUP, LLC | 137 SCHOOL ROAD HAMPTON, GA 30228 | CONTINENTAL AMERICAN INSURANCE COMPANY | $439 | — | $439 | 2.62% |
| MILLIAN B. TERRELL3 | 270 LANTANA DRIVE LOCUST GROVE, GA 30248 | CONTINENTAL AMERICAN INSURANCE COMPANY | $307 | — | $307 | 1.83% |
| ANDY B GLENN II3 Filed as: ANDY B. GLENN | 4267 BRIGHTON WAY KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $271 | — | $271 | 1.62% |
| THOMAS DEAN BAXTER3 | PO BOX 335 SUNNYSIDE, GA 30284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $149 | — | $149 | 0.89% |
| SUSAN PICKARD3 Filed as: SUSAN R. PICKARD | 185 OTARA WOODS DRIVE NEWNAN, GA 30263 | CONTINENTAL AMERICAN INSURANCE COMPANY | $98 | — | $98 | 0.59% |
| MJ INSURANCE3 Filed as: RONALD SANDERS AND VARIOUS AGENTS | 1194 EAST LAKEVIEW DRIVE SAN TAN VALLEY, AZ 85143 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | — | $94 | 0.56% |
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 | 634 | 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) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AFLAC | 243 | $223K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,706 | $761K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,706 | $761K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,706 | $829K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,706 | $761K |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,706 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,706 | — |
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.