| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | CONCOURSE CORPORATE CTR FIVE FL 18 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $43K | $43K | 5.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | CONCOURSE CORPORATE CTR FIVE FL 18 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 5 CONCOURSE PKWY STE 1800 ATLANTA, GA 30328 | AMERITAS LIFE INSURANCE CORP. | $10K | — | $10K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N TYRON ST CHARLOTTE, NC 28282 | AMERITAS LIFE INSURANCE CORP. | — | $2K | $2K | 2.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 29727 NETWORK PLACE CHICAGO, IL 60673 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $714 | $4K | 18.27% |
| MELANIE BARRETT KING3 | 1321 GLEN CEDARS DRIVE MABLETON, GA 30126 | AFLAC | $727 | — | $727 | 4.77% |
| MARY B MCKINNEY3 | 1401 PEACHTREE ST NE STE 500 ATLANTA, GA 30309 | AFLAC | $166 | — | $166 | 1.09% |
| ROBERT L GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $161 | — | $161 | 1.06% |
| ROBERT M LYMAN3 | 1145 SPARKLING CRYSTAL AVE HENDERSON, NV 89015 | AFLAC | $155 | — | $155 | 1.02% |
| DIANE M MCCOLLUM3 | 2402 WILLIAMS ST AUGUSTA, GA 30904 | AFLAC | $109 | — | $109 | 0.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 5 CONCOURSE PKWY NE STE 1800 ATLANTA, GA 30328 | AFLAC | $90 | — | $90 | 0.59% |
| CONDOR F MCCOLLUM3 | 2402 WILLIAMS ST AUGUSTA, GA 30904 | AFLAC | $71 | — | $71 | 0.47% |
| TSG INC3 | PO BOX 3138 DULUTH, MN 55803 | AFLAC | $64 | — | $64 | 0.42% |
| DAVID C CLOUD JR3 | 1301 SHILOH RD NW STE 1020 KENNESAW, GA 30144 | AFLAC | $39 | — | $39 | 0.26% |
| SHIRLEY M LLOYD3 | 275 MERRITT DR LAWRENCEVILLE, GA 30044 | AFLAC | $37 | — | $37 | 0.24% |
| DANIEL FITZGERALD INC3 | 3672 BAY PT AUGUSTA, GA 30907 | AFLAC | $31 | — | $31 | 0.20% |
| DORIS L BRACKETT3 | 3233 HIGHGATE CHASE CT BERKELEY LAKE, GA 30092 | AFLAC | $30 | — | $30 | 0.20% |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 50 HURT PLZ SE STE 995 ATLANTA, GA 30303 | AFLAC | $27 | — | $27 | 0.18% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $26 | — | $26 | 0.17% |
| LYNN L NORMAN3 | 1095 HONEY CREEK RD SE CONYERS, GA 30013 | AFLAC | $23 | — | $23 | 0.15% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INS SERVICES OF GA INC | PO BOX 116367 ATLANTA, GA 30368 | AFLAC | $16 | — | $16 | 0.11% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $14 | — | $14 | 0.09% |
| N S BREAZEALE3 | 5936 GA HIGHWAY 116 HAMILTON, GA 31811 | AFLAC | $13 | — | $13 | 0.09% |
| ANN BLAKE BOSWELL3 | 910 WOLF SPRINGS CV LAWRENCEVILLE, GA 30043 | AFLAC | $11 | — | $11 | 0.07% |
| FRANK R GRIFFIN JR3 Filed as: FRANK R GRIFFIN JR. | PO BOX 233 8601 GARRETT RD MIDLAND, GA 31820 | AFLAC | $9 | — | $9 | 0.06% |
| AMY A O SHIELDS3 | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | AFLAC | $6 | — | $6 | 0.04% |
| JOHN E CARTER III3 | 313 TROOP DR FORTSON, GA 31808 | AFLAC | $4 | — | $4 | 0.03% |
| ALEXANDER B WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $3 | — | $3 | 0.02% |
| RONALD S SANDERS3 | 1194 E LAKEVIEW DRT SAN TAN VALLEY, AZ 85143 | AFLAC | $2 | — | $2 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 1839 YGNACIO VALLEY RD SUITE 393 WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.01% |
| DEBORAH B SMITH3 | 4720 TWIN OAKS DR NW KENNESAW, GA 30152 | AFLAC | $1 | — | $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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $822K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 107 | $103K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 107 | $103K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $22K |
| Short-term disability | AFLAC | 16 | $15K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 152 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.