| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LANDMARK BENEFITS INC3 Filed as: LANDMARK INSURANCE LLC | 11 BUFORD VILLAGE WAY SUITE 113 BUFORD, GA 30518 | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | $66K | $72K | $138K | 10.36% |
| BOTTOM LINE BENEFITS, LLC3 Filed as: BOTTOM LINE BENEFITS INC | 6060 LAKE ACWORTH DRIVE NORTHWEST SUITE R ACWORTH, GA 30101 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 16.46% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK INSURANCE LLC | 11 BUFORD VILLAGE WAY SUITE 113 BUFORD, GA 30518 | HUMANA INSURANCE COMPANY | $9K | $5K | $14K | 15.57% |
| BARDWELL BENEFITS LLC3 | 1445 AVERY ROAD CANTON, GA 30115 | AFLAC | $7K | $130 | $7K | 14.95% |
| JOSEPH BAILEY DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AFLAC | $575 | $52 | $627 | 1.35% |
| STEVEN DAVID MONEY3 | 225 WING MILL ROAD ATLANTA, GA 30350 | AFLAC | $555 | — | $555 | 1.20% |
| ELENI A NIKOLAS3 | 50 HURT PLAZA SOUTHEAST SUITE 1630 THE HURT BUILDING ATLANTA, GA 30303 | AFLAC | $323 | — | $323 | 0.70% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN W LUCAS | 6250 BROWNS BRIDGE ROAD CUMMING, GA 30041 | AFLAC | $117 | — | $117 | 0.25% |
| ROGER HUGH JONES3 | 2204 COMMERCE STREET ALPHARETTA, GA 30009 | AFLAC | $25 | — | $25 | 0.05% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIRCLE FERNANDINA BEACH, FL 32034 | AFLAC | $12 | — | $12 | 0.03% |
| RICHARD SMITHSON3 | 410 BAROQUE DRIVE ALPHARETTA, GA 30009 | AFLAC | $11 | — | $11 | 0.02% |
| RICHARD SMITHSON3 Filed as: RICHARD A SMITHSON | 449 TIMBER PLACE MILTON, GA 30004 | AFLAC | $2 | — | $2 | 0.00% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $2 | — | $2 | 0.00% |
| WENDY M RANKIN3 | 114 BROAD STREET APARTMENT 201 DAVIDSON, GA 30161 | AFLAC | $1 | — | $1 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DRIVE MONROE, GU 30655 | AFLAC | $1 | — | $1 | 0.00% |
| DUSTIN ROBERT JOHNSON3 | 745 WEST BROMPTON AVENUE APARTMENT 1 CHICAGO, IL 60657 | AFLAC | $1 | — | $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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA EMPLOYERS HEALTH PLAN OF GEORGIA, INC. | 127 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $225K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $225K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $132K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $132K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $132K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 270 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.