| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS OF GEORGIA INC | 3483 SATELLITE BLVD SUITE 100 DULUTH, GA 30096 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $148K | $148K | 5.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF GA | 900 NORTH POINT PARKWAY SUITE 300 ALPHARETTA, GA 30005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $6K | $31K | 12.20% |
| DAILYFEATS INC.3 | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GE | 3483 SATELLITE BLVD STE 100 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | $934 | $23K | 18.75% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT ST 3RD FL BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GA | 3483 SATELLITE BLVD STE 100 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $735 | $18K | 18.75% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT ST 3RD FL BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF GA | 3483 SATELLITE BLVD STE 100 DULUTH, GA 30096 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $205 | $9K | 37.09% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT ST 3RD FL BOSTON, MA 02111 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 6.03% |
| ROBERT FISH3 Filed as: ROBERT M FISH | 450 PARK PLACE SUWANEE, GA 30024 | AFLAC | $1K | — | $1K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF GA INC | 900 NORTH POINT PKWY STE 300 ALPHARETTA, GA 30094 | AFLAC | $404 | — | $404 | — |
| GORDON BALDWIN3 Filed as: GORDON R BALDWIN | 2381 STEDMAN LN SW CONYERS, GA 30094 | AFLAC | $225 | — | $225 | — |
| TAINE D HOWARD3 | 1919 W CORONET AVE SPC 163 ANAHEIM, CA 92801 | AFLAC | $207 | — | $207 | — |
| TONYA LANCASTER3 | 1820 THE EXCHANGE SE STE 750 ATLANTA, GA 30339 | AFLAC | $206 | — | $206 | — |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $134 | — | $134 | — |
| DANIEL TYLER ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $110 | — | $110 | — |
| CINDY WILLIAMS3 Filed as: CINDY T WILLIAMS | 5539 SOUNDSIDE DR APT C GULF BREEZE, FL 32563 | AFLAC | $92 | — | $92 | — |
| BRAUNWYNN B BRANDON3 | 16402 BRIDFELAWN AVE LITHIA, FL 33547 | AFLAC | $89 | — | $89 | — |
| CHRISTOPHER CLUNAN3 Filed as: CHRISTOPHER M CLUNAN | 2779 JUTES DR THOMPSONS STATION, TN 37179 | AFLAC | $71 | — | $71 | — |
| DORIS L BRACKETT3 Filed as: DORIS BRACKET | 3233 HIGHGATE CHASE CT BERKLEY LAKE, GA 30092 | AFLAC | $64 | — | $64 | — |
| JANICE M ADAMSON3 | 405 S HIBISCUS WAY ANAHEIM, CA 92808 | AFLAC | $54 | — | $54 | — |
| ASHLEY LYNN SHAW3 | 603 E WASHINGTON ST STE 100 INDIANAPOLIS, IN 46204 | AFLAC | $52 | — | $52 | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: NANNETTE D BROWN | 527 ACRE EST TOCCA, GA 30577 | AFLAC | $45 | — | $45 | — |
| DAVID M CRUMLEY3 | 5111 MARYLAND WAY STE 210 BRENTWOOD, TN 37027 | AFLAC | $38 | — | $38 | — |
| MELISSA B BOYLE3 Filed as: MELISSA BOYLE | 4125 E WILDWOOD DR PHOENIX, AZ 85048 | AFLAC | $37 | — | $37 | — |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $32 | — | $32 | — |
| DAVID LOUIS GLOVER3 Filed as: DAVID L GLOVER | 6456 WELLS FARMS CV BARTLETT, TN 38135 | AFLAC | $25 | — | $25 | — |
| BARRY C VASSAR3 Filed as: BARRY V VASSAR | 804 CHARMING CT FRANKLIN, TN 37064 | AFLAC | $25 | — | $25 | — |
| MK SWAN INC3 | 6610 HARVEST DR PAPILLION, NE 68133 | AFLAC | $25 | — | $25 | — |
| ANA MARIE GARCIA SMITH3 | 110 VANDERVIEW DR SEYMOUR, TN 37865 | AFLAC | $24 | — | $24 | — |
| SUSAN REDDOCH BUFFINGTON3 | 400 TAX RD SHILOH, GA 31826 | AFLAC | $24 | — | $24 | — |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $21 | — | $21 | — |
| KELSEY DAVID EVERT3 | 2055 N MOUNT JULIET RD STE 201 MOUNT JULIET, TN 37122 | AFLAC | $18 | — | $18 | — |
| DAVID B RAY3 | 5122 STONEWOOD DR SMYNA, TN 37176 | AFLAC | $18 | — | $18 | — |
| GREG GRIFFITH3 Filed as: GREG W GRIFFITH | 393 TENNESSEE ST APT 1 MEMPHIS, TN 38103 | AFLAC | $17 | — | $17 | — |
| PARTICIA STALLARD3 | 3738 HOLIDAY PT BUFORD, GA 30518 | AFLAC | $15 | — | $15 | — |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $11 | — | $11 | — |
| TIMOTHY MEAD3 Filed as: TIMOTHY H MEAD | 1534 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $10 | — | $10 | — |
| BRENT L GOODE3 | 2000 GLEN ECHO RD STE 204 NASHVILLE, TN 37215 | AFLAC | $8 | — | $8 | — |
| RONALD A DASHKOVITZ3 | 20 MILLPOND TRL SAGINAW, MI 48603 | AFLAC | $7 | — | $7 | — |
| PAT STALLARD INC3 | 6738 HOLIDAY PT BUFORD, GA 30518 | AFLAC | $7 | — | $7 | — |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR WALNUT CREEK, CA 94598 | AFLAC | $5 | — | $5 | — |
| DEBORAH B SMITH3 | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $5 | — | $5 | — |
| JAMES D DUDLEY3 | 1355 LYNNFIELD ST STE 259 MEMPHIS, TN 38119 | AFLAC | $5 | — | $5 | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: RONALD BROWN | 5150 BAY TOWN CONWAY, AR 72034 | AFLAC | $4 | — | $4 | — |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $4 | — | $4 | — |
| SALLY A MEAD3 | 1535 FIANNA PLACE TER FORT SMITH, AR 72908 | AFLAC | $3 | — | $3 | — |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $3 | — | $3 | — |
| TONYA SUE ELMORE3 | 1930 HIGHWAY 71 E MANSFIELD, AR 72944 | AFLAC | $3 | — | $3 | — |
| MELYNDA RAY-MCCUTCHEON3 Filed as: MELYNDA RAY MCCUTCHEON | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $3 | — | $3 | — |
| ABBIE W COFFMAN3 | 31 HAWTHORN CIR CROSSVILLE, TN 38555 | AFLAC | $3 | — | $3 | — |
| LEE RYAN MCGRAW2 | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $2 | — | $2 | — |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $2 | — | $2 | — |
| JOSEPH L LEDOUX3 | 2411 CARTER AVE NASHVILLE, TN 37206 | AFLAC | $2 | — | $2 | — |
| STACY M ROBERTS3 Filed as: STACY MARIE ROBERTS | 552 BLUE RIDGE XING EVANS, GA 30809 | AFLAC | $2 | — | $2 | — |
| CHARLES L CHANCELLOR3 | 903 WEATHERFORD DR BENTON, AR 72015 | AFLAC | $1 | — | $1 | — |
| KANDI H HECKLER3 | 5453 HASELL DR ROCKVALE, TN 37153 | AFLAC | $1 | — | $1 | — |
| ERIC MILLER3 | 728 MERCER PL HUNTERSVILLE, NC 28078 | AFLAC | $1 | — | $1 | — |
| MEGHAN MILLER3 | 728 MERCER PL HUNTERSVILLE, NC 28078 | AFLAC | $1 | — | $1 | — |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $1 | — | $1 | — |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 529 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 311 | $252K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 311 | $252K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $124K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $98K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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.