| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS OF GEORGIA | 3483 SATELLITE BLVD STE. 100 DULUTH, GA 300968692 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $96K | $96K | 5.24% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 901 N BROAD ST STE 200 ROME, GA 30161 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 8.76% |
| LIAZON BENEFITS INC3 | 737 MAIN STREET STE 200 BUFFALO, NY 14203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 4.69% |
| ROBERT FISH3 | 450 PARK PLACE CT SUWANEE, GA 30024 | AFLAC | $1K | $0 | $1K | 4.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS | 3483 SATELLITE BLVD STE. 100 DULUTH, GA 300968692 | AFLAC | $508 | $0 | $508 | 1.49% |
| TONYA LANCASTER3 | 1820 THE EXCHANGE SE SUITE 750 ATLANTA, GA 30339 | AFLAC | $267 | $0 | $267 | 0.78% |
| GORDON BALDWIN3 | 2381 STEDMAN LANE SW CONYERS, GA 30094 | AFLAC | $225 | $0 | $225 | 0.66% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 580 WHITE PLAINS RIAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $150 | $0 | $150 | 0.44% |
| CINDY WILLIAMS3 | 1925 CATAMARAN DRIVE NAVARRE, FL 32566 | AFLAC | $92 | $0 | $92 | 0.27% |
| BRAUNWYNN B BRANDON3 Filed as: BRAUNWYNN BRANDON | 16402 BRIDGELAWN AVE LITHIA, FL 33547 | AFLAC | $89 | $0 | $89 | 0.26% |
| BARRY C VASSAR3 Filed as: BARRY VASSAR | 804 CHARMING COURT FRANKLIN, TN 37064 | AFLAC | $72 | $0 | $72 | 0.21% |
| CHRISTOPHER CLUNAN3 | 2779 JUTES DRUVE THOMPSONS STATION, TN 37179 | AFLAC | $71 | $0 | $71 | 0.21% |
| DORIS L BRACKETT3 Filed as: DORIS BRACKETT | 3233 HIGHGATE CHASE COURT BERKELEY LAKE, GA 30092 | AFLAC | $68 | $0 | $68 | 0.20% |
| ALBERT MARZULLO3 | 161 PINE COVE KYLE, TX 78640 | AFLAC | $54 | $0 | $54 | 0.16% |
| ASHLEY SHAW LLC3 Filed as: ASHLEY SHAW | 603 E WASHINGTON STREET SUITE 100 INDIANAPOLIS, IN 46204 | AFLAC | $52 | $0 | $52 | 0.15% |
| DAVID B RAY3 Filed as: DAVID RAY | 5122 STONEWOOD DRIVE SMYRNA, TN 37167 | AFLAC | $49 | $0 | $49 | 0.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: NANNETTE BROWN | 527 ACRE EST TOCCOA, GA 30577 | AFLAC | $45 | $0 | $45 | 0.13% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 5111 MARYLAND WAY SUITE 210 BRENTWOOD, TN 37027 | AFLAC | $38 | $0 | $38 | 0.11% |
| MELISSA B BOYLE3 Filed as: MELISSA BOYLE | 6300 E HAMPDEN AVE SUITE C101 DENVER, CO 80222 | AFLAC | $37 | $0 | $37 | 0.11% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS GIDDENS | P.O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $34 | $0 | $34 | 0.10% |
| MICHAEL B DUECY3 Filed as: MICHAEL DUECY | 1011 LAUREL CV BUDA, TX 78610 | AFLAC | $28 | $0 | $28 | 0.08% |
| ANA MARIE GARCIA SMITH3 Filed as: ANA MARIE SMITH | 110 BANDERVIEW ROAD SEYMOUR, TN 37865 | AFLAC | $28 | $0 | $28 | 0.08% |
| SUSAN REDDOCH BUFFINGTON3 Filed as: SUSAN BUFFINGTON | 400 TAX ROAD SHILOH, GA 31826 | AFLAC | $28 | $0 | $28 | 0.08% |
| DAVID LOUIS GLOVER3 Filed as: DAVID GLOVER | 6456 WELLS FARMS CV MEMPHIS, TN 38135 | AFLAC | $25 | $0 | $25 | 0.07% |
| PATRICIA STALLARD3 | 6738 HOLIDAY PT BUFORD, GA 30518 | AFLAC | $25 | $0 | $25 | 0.07% |
| MK SWAN INC3 | 6610 HARVEST DRIVE PAPILLION, NE 68133 | AFLAC | $25 | $0 | $25 | 0.07% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PKWY BLDG 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $24 | $0 | $24 | 0.07% |
| RONALD A DASHKOVITZ3 Filed as: RONALD DASHKOVITZ | 20 MILLPOND TRAIL SAGNINAW, MI 48603 | AFLAC | $21 | $0 | $21 | 0.06% |
| GREG GRIFFITH3 | 393 TENNESSEE STREET APT 1 MEMPHIS, TN 38103 | AFLAC | $19 | $0 | $19 | 0.06% |
| KELSEY EVERT3 | 2055 N MOUNT JULIET ROAD SUITE 201 MOUNT JULIET, TN 37122 | AFLAC | $18 | $0 | $18 | 0.05% |
| KYLE DUANE DAFLER3 Filed as: KYLE DAFLER | 2431 HAWKINS ROAD RICHMOND, IN 47374 | AFLAC | $18 | $0 | $18 | 0.05% |
| JEROME JEFFREY PESEK3 Filed as: JEROME PESEK | 330 TORRINGTON DRIVE AUSTIN, TX 78737 | AFLAC | $15 | $0 | $15 | 0.04% |
| PAT STALLARD INC3 | 6738 HOLIDAY PT BUFORD, GA 30518 | AFLAC | $15 | $0 | $15 | 0.04% |
| STACY M ROBERTS3 Filed as: STACY ROBERTS | 552 BLUE RIDGE XING EVANS, GA 30809 | AFLAC | $13 | $0 | $13 | 0.04% |
| D AND V BUTLER INC3 Filed as: J BUTLER | 1440 OLD LENOIR ROAD SUITE A HICKORY, NC 28601 | AFLAC | $11 | $0 | $11 | 0.03% |
| MICHAEL DUANE ARNOLD3 Filed as: MICHAEL ARNOLD | 2147 BUTTONBUSH DRIVE PLAINSFIELD, IN 46168 | AFLAC | $11 | $0 | $11 | 0.03% |
| TIMOTHY MEAD3 | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $10 | $0 | $10 | 0.03% |
| BRENT GOODE3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $8 | $0 | $8 | 0.02% |
| ABBIE W COFFMAN3 Filed as: ABBIE COFFMAN | 31 HAWTHORN CIRCLE CROSSVILLE, TN 38555 | AFLAC | $8 | $0 | $8 | 0.02% |
| LARRY NORMAN3 | P.O. BOX 71 CLAY, AL 35048 | AFLAC | $7 | $0 | $7 | 0.02% |
| JAMES D DUDLEY3 Filed as: JAMES DUDLEY | 1355 LYNNFIELD ROAD SUITE 259 MEMPHIS, TN 38119 | AFLAC | $6 | $0 | $6 | 0.02% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW | 5300 OAKBROOK PKWY BLDG 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $5 | $0 | $5 | 0.01% |
| LEE RYAN MCGRAW3 Filed as: LEE MCGRAW | 1170 MANN ROAD DOUGLASVILLE, GA 30134 | AFLAC | $5 | $0 | $5 | 0.01% |
| DEBORAH B SMITH3 Filed as: DEBORAH SMITH | 5703 BRYNWOOD CIRCLE NW ACWORTH, GA 30101 | AFLAC | $5 | $0 | $5 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTE FE DR WALNUT CREEK, CA 94598 | AFLAC | $5 | $0 | $5 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DRIVE LAWRENCEVILLE, GA 30043 | AFLAC | $5 | $0 | $5 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $4 | $0 | $4 | 0.01% |
| LYNETTE KAY DUTTON3 Filed as: LYNETTE DUTTON | 131 COUNTRYSIDE DRIVE FOREST CITY, NC 28043 | AFLAC | $4 | $0 | $4 | 0.01% |
| SALLY MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $3 | $0 | $3 | 0.01% |
| KERRY C EZZELL3 Filed as: KERRY EZZELL | P.O. BOX 15074 AUGUSTA, GA 30919 | AFLAC | $3 | $0 | $3 | 0.01% |
| TONYA SUE ELMORE3 Filed as: TONYA ELMORE | 1930 S HIGHWAY 71 E MANDSFIELD, AR 72944 | AFLAC | $3 | $0 | $3 | 0.01% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DRIVE BOGART, GA 30622 | AFLAC | $3 | $0 | $3 | 0.01% |
| KANDI H HECKLER3 Filed as: KANDI HECKLER | 5453 HASELL DRIVE ROCKVALE, TN 37153 | AFLAC | $2 | $0 | $2 | 0.01% |
| RAYMOND L MELVIN3 Filed as: RAYMOND MELVIN | 1533 NAVIGATOR CIRCLE DACULA, GA 30019 | AFLAC | $2 | $0 | $2 | 0.01% |
| JOESPH LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $2 | $0 | $2 | 0.01% |
| JAY OLEARY3 | 2000 GLEN ECHO ROAD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $2 | $0 | $2 | 0.01% |
| MARVIN FORE3 | 4505 PINE TREE CIRCLE SUITE 201 BIRMINGHAM, AL 35243 | AFLAC | $2 | $0 | $2 | 0.01% |
| NAVILLE & ASSOCIATES3 | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | AFLAC | $2 | $0 | $2 | 0.01% |
| GREGORY J WEEKS3 Filed as: GREGORY WEEKS | 1259 LOOP 337 2ND FL NEW BRAUNFELS, TX 78130 | AFLAC | $2 | $0 | $2 | 0.01% |
| HEATHER F SEIBERT3 Filed as: HEATHER SEIBERT | P.O. BOX 1329 SHINER, TX 77984 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES ROB BLAKEY3 Filed as: JAMES BLAKEY | 14234 SAVANNAH PASS SAN ANTONION, TX 78216 | AFLAC | $1 | $0 | $1 | 0.00% |
| CHARLES L CHANCELLOR3 Filed as: CHARLES CHANCELLOR | 903 WEATHERFORD DRIVE BENTON, AR 72015 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOHN T CLANCY3 Filed as: JOHN CLANCY | 4025 PETE DYE BLVD CARMEL, IN 46033 | AFLAC | $1 | $0 | $1 | 0.00% |
| AMY E COHEN3 Filed as: AMY GEHLHAUSEN | 3115 HOWARD DRIVE JASPER, IN 47546 | AFLAC | $1 | $0 | $1 | 0.00% |
| MATTHEW G BERGER3 Filed as: MATTHEW COOK | 10068 BENT TREE LANE FISHERS, IN 47546 | AFLAC | $1 | $0 | $1 | 0.00% |
| MARK A WOJDA3 Filed as: MARK WOJDA | 831 GREENFORD TRAIL W CARMEL, IN 46032 | AFLAC | $1 | $0 | $1 | 0.00% |
| ERIC MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL FATHERREE3 | 171 COUNTRY ROAD 1559 ALBA, TX 75410 | AFLAC | $1 | $0 | $1 | 0.00% |
| MEGHAN MILLER3 | 6631 FOX RIDGE CIRCLE DAVIDSON, NC 28036 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOSEPH S WILLIAMS3 Filed as: JOSEPH WILLIAMS | 2400 HERODIAN WAY SUITE 170 SMYRNA, GA 30080 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOHN KOWN II3 | 1275 SHILOH ROAD SUITE 2260 KENNESAW, GA 30144 | AFLAC | $1 | $0 | $1 | 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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 331 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $372K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $372K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $372K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $372K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $372K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 192 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.