| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY INC. | P.O. BOX 1058 GAINESVILLE, GA 30503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $130K | $9K | $139K | 12.71% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | 100 BRENAU AVENUE GAINESVILLE, GA 30501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $100K | — | $100K | 11.13% |
| MGIS3 | 111 SOUTH MAIN STREET SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $195 | $195 | 0.02% |
| DEBORAH FERGUSON3 | P.O. BOX 190034 ATLANTA, GA 31119 | AFLAC | $15K | $763 | $16K | 6.20% |
| JENNIFER S CAGLE3 Filed as: JENNIFER CAGLE | P.O. BOX 506 CLERMONT, GA 30527 | AFLAC | $12K | $687 | $13K | 5.03% |
| WILLIAM WARDLAW JR3 | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $3K | $308 | $3K | 1.35% |
| KIRKLYN SMITH WILSON3 | P.O. BOX 705 CLERMONT, GA 30527 | AFLAC | $3K | $14 | $3K | 1.20% |
| JAMES DAVIS3 | 1506 KLONDIKE RD SW STE 100 CONYERS, GA 30094 | AFLAC | $2K | $120 | $2K | 0.78% |
| V C SMITH LLC3 | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | AFLAC | $2K | $177 | $2K | 0.76% |
| NETPRO FINANCIAL SOLUTIONS LLC3 | P.O. BOX 506 CLERMONT, GA 30527 | AFLAC | $2K | — | $2K | 0.66% |
| KIMBERLY ANN GARRISON3 Filed as: KIMBERLY GARRISON | 3620 WHITTING ROAD GAINESVILLE, GA 30504 | AFLAC | $2K | — | $2K | 0.63% |
| MRS JACKSON BOYUM3 | 2040 SYLAR LIGH DRIVE BUFORD, GA 30518 | AFLAC | $1K | — | $1K | 0.44% |
| LAVADA LYNN SCARLETT3 Filed as: LAVADA SCARLETT | 3619 SHADY OAK TRL GAINSVILLE, GA 30506 | AFLAC | $900 | — | $900 | 0.36% |
| ANDREA R BROCK3 Filed as: ANDREA BROCK | 5120 INDIAN CIRCLE GAINESVILLE, GA 30506 | AFLAC | $710 | $22 | $732 | 0.29% |
| LARRY W FLOWERS3 | 2318 PROVINCIAL POINT DRIVE GAINESVILLE, GA 30501 | AFLAC | $699 | — | $699 | 0.28% |
| BETTY SUGGS3 | 4866 BROWNS BRIDGE ROAD GAINESVILLE, GA 30504 | AFLAC | $427 | $42 | $469 | 0.19% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS GIDDENS | P.O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $404 | — | $404 | 0.16% |
| JANET R WATERS3 Filed as: JANET WATERS | 1878 FOREST GLEN WAY SAINT AUGUSTINE, FL 32092 | AFLAC | $343 | — | $343 | 0.14% |
| RONALD E KIRKLAND3 Filed as: RONALD KIRLAND | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $267 | — | $267 | 0.11% |
| LAMAR WATERS3 | 1878 FOREST GLEN WAY SAINT AUGUSTINE, FL 32092 | AFLAC | $233 | — | $233 | 0.09% |
| DIANE BORDER3 | P.O. BOX 711 WATKINSVILLE, GA 30677 | AFLAC | $175 | $21 | $196 | 0.08% |
| SHERRY H FRANKLIN3 Filed as: SHERRY FRANKLIN | P.O. BOX 617 CORNELIA, GA 30531 | AFLAC | $194 | — | $194 | 0.08% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PKWY STE 300 STE 350 NORCORSS, GA 30093 | AFLAC | $175 | — | $175 | 0.07% |
| PODNAS INC / BECK & ASSOC3 Filed as: PODNAS INC./BECK & ASSOC | 6900 HILLTOP COURT COLUMBUS, GA 31904 | AFLAC | $132 | — | $132 | 0.05% |
| CAROL IRVIN3 | 5739 GARDEN WALK FLOWERY BRANCH, GA 30542 | AFLAC | $73 | — | $73 | 0.03% |
| ROBERT FISH3 | 450 PARK PLACE CT SUWANEE, GA 30024 | AFLAC | $70 | — | $70 | 0.03% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DRIVE BOAGART, GA 30622 | AFLAC | $67 | — | $67 | 0.03% |
| SHARON HALL3 | P.O. BOX 1857 DAWSONVILLE, GA 30534 | AFLAC | $51 | — | $51 | 0.02% |
| ANN SCOTT3 | 711 EMERALD RDG WOODSTOCK, GA 30189 | AFLAC | $47 | — | $47 | 0.02% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DR LAWRENCEVILLE, GA 30043 | AFLAC | $44 | $0 | $44 | 0.02% |
| ROBERT GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $42 | — | $42 | 0.02% |
| THOMAS WHITE3 | 334 LEEWARD WALK LN ALPHARETTA, GA 30005 | AFLAC | $41 | — | $41 | 0.02% |
| SUSAN REDDOCH BUFFINGTON3 Filed as: SUSAN BUFFINGTON | 400 TAX RD SHILOH, GA 31826 | AFLAC | $39 | — | $39 | 0.02% |
| KATHERINE LATIMER3 | 90 CECILY CT FORTSON, GA 31808 | AFLAC | $34 | — | $34 | 0.01% |
| JUSTIN M REYNOLDS3 Filed as: JUSTIN REYNOLDS | 8433 ENTERPRISE CIR STE 100 LAKEWOOD RANCH, FL 34202 | AFLAC | $33 | — | $33 | 0.01% |
| LINDA F. DUNHAM3 | 140 SHADOW WOOD BND ST SIMONS IS, GA 31522 | AFLAC | $33 | — | $33 | 0.01% |
| ELENI A NIKOLAS3 Filed as: ELENI NIKOLAS | 50 HURT PLZ SE STE 1630 THE HURT BUILDING ATLANTA, GA 30303 | AFLAC | $32 | — | $32 | 0.01% |
| ANA MARIE GARCIA SMITH3 Filed as: ANA MARIE SMITH | 110 BANDERVIEW ROAD SEYMOUR, TN 37865 | AFLAC | $32 | — | $32 | 0.01% |
| JONATHAN W MCCUTCHEON3 Filed as: JONATHAN MCCUTCHEON | 1150 MALLARD LAKE DRIVE BOGART, GA 30622 | AFLAC | $30 | — | $30 | 0.01% |
| JOSEPH S WILLIAMS3 Filed as: JOSEPH WILLIAMS | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $29 | — | $29 | 0.01% |
| RICHARD MICHAEL TIDWELL3 Filed as: RICHARD TIDWELL | 5511 KINGSLEY MANOR CUMMING, GA 30041 | AFLAC | $28 | — | $28 | 0.01% |
| PAUL SHELBY AMOS II3 Filed as: PAUL AMOS II | 1932 WYNNTON ROAD 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $28 | — | $28 | 0.01% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN JOHNSON | 50 HURT PLZ SE, STE 995 STE 1630 ATLANTA, GA 30303 | AFLAC | $26 | $0 | $26 | 0.01% |
| LEE RYAN MCGRAW3 Filed as: LEE MCGRAW | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $26 | — | $26 | 0.01% |
| EDWIN IVEY3 | 986 GREEN STREET CIRCLE GAINESVILLE, GA 30501 | AFLAC | $25 | — | $25 | 0.01% |
| JAMES D DUDLEY3 Filed as: JAMES DUDLEY | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $25 | — | $25 | 0.01% |
| KIMBERLY W MANDERS3 Filed as: KIMBERLY MANDERS | 4232 QUAIL SPRINGS CIR MARTINEZ, GA 30907 | AFLAC | $23 | — | $23 | 0.01% |
| SAIC INC3 | 4245 MILGEN RD COLUMBUS, GA 31907 | AFLAC | $23 | — | $23 | 0.01% |
| DANIEL E ZECKMAN3 Filed as: DANIEL ZECKMAN | 1275 SHILOH RD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $22 | — | $22 | 0.01% |
| LAURIE SOUTHERN3 | 752 MCCONNELL RD POWDER SPRINGS, GA 30127 | AFLAC | $22 | — | $22 | 0.01% |
| JOHN P KOWN II3 Filed as: JOHN KNOWN II | 1275 SHILOH ROD NW STE 2260 KENNESAW, GA 30144 | AFLAC | $22 | — | $22 | 0.01% |
| DAVID C CLOUD JR3 Filed as: DAVID CLOUD JR | 12 TRENT DR SE ROME, GA 30161 | AFLAC | $22 | — | $22 | 0.01% |
| DEBORAH B SMITH3 Filed as: DEBORAH SMITH | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $22 | — | $22 | 0.01% |
| JENNIFER CARNAHAN3 | 1908 LANDFALL PASS NW KENNESAW, GA 30152 | AFLAC | $20 | — | $20 | 0.01% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $18 | — | $18 | 0.01% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUTTINGTON BEACH, CA 92646 | AFLAC | $18 | — | $18 | 0.01% |
| BRADEN BENEFIT STRATEGIES, INC.3 Filed as: BRADEN BENEFITS STRATEGIES | 11555 MEDLOCK BRIDGE RD STE 160 JOHNS CREEK, GA 30097 | AFLAC | $17 | — | $17 | 0.01% |
| MELANIE KING3 | 1321 GLEN CEDARDS DR MABLETON, GA 30126 | AFLAC | $17 | — | $17 | 0.01% |
| BRIAN D ELY3 Filed as: BRIAN ELY | 1820 THE EXCHANGE SE STE 750 ATLANTA, GA 30339 | AFLAC | $15 | — | $15 | 0.01% |
| SCOTT L EELLS3 Filed as: SCOTT EELLS | 13313 N OREGON AVENUE TAMPA, FL 33612 | AFLAC | $14 | — | $14 | 0.01% |
| RAYMOND L MELVIN3 Filed as: RAYMOND MELVIN | 1553 NAVIGATOR CIRCLE DACULA, GA 30019 | AFLAC | $12 | — | $12 | 0.00% |
| RODNEY A MCCLURE3 Filed as: RODNEY MCCLURE | 606 REDBUD TER CANTON, GA 30115 | AFLAC | $11 | — | $11 | 0.00% |
| MARY B MCKINNEY3 Filed as: MARY MCKINNEY | 1100 PEACHTREET ST NE STE 200 ATLANTA, GA 30309 | AFLAC | $11 | — | $11 | 0.00% |
| SCOTTI MADISON3 | 3330 COBB PARKWAY SUITE 324-3 ACWORTH, GA 30101 | AFLAC | $11 | $0 | $11 | 0.00% |
| ESMERALDA LUCAS3 | 2135 GLENFIELD TRCE CUMMING, GA 30041 | AFLAC | $11 | — | $11 | 0.00% |
| TARRAH SMITHSON3 | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $9 | $0 | $9 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 Filed as: ALLISON FARRIS WENDLEBERGER | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $9 | — | $9 | 0.00% |
| CHRISTIE MARZARI3 | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $8 | — | $8 | 0.00% |
| TONYA LANCASTER3 | 1820 THE EXCHANGE SE STE 750 ATLANTA, GA 30339 | AFLAC | $8 | — | $8 | 0.00% |
| JOHN SCOTT3 | 1036 BARRETT DRIVE EVANS, GA 30161 | AFLAC | $7 | — | $7 | 0.00% |
| LAURA CORLEY3 | 284 STONEBROOK TRAIL CLEVELAND, GA 30528 | AFLAC | $7 | — | $7 | 0.00% |
| DORIS L BRACKETT3 Filed as: DORIS BRACKETT | 3233 HIGHGATE CHASE CT BERKELEY LAKE, GA 30092 | AFLAC | $6 | — | $6 | 0.00% |
| KERRY C EZZELL3 Filed as: KERRY EZZELL | P.O. BOX 15074 AUGUSTA, GA 30919 | AFLAC | $6 | — | $6 | 0.00% |
| BILL FOSTER3 | 480 COLONSAY TRCE BLAIRSVILLE, GA 30512 | AFLAC | $6 | — | $6 | 0.00% |
| TRACY L MCLEAN3 Filed as: TRACY MCLEAN | 120 OLD ELBERT RD ROYSTON, GA 30662 | AFLAC | $6 | — | $6 | 0.00% |
| DANIEL FITZGERALD INC3 | 3672 BAY PT AUGUSTA, GA 30907 | AFLAC | $5 | — | $5 | 0.00% |
| WENDY M RANKIN3 Filed as: WENDY RANKIN | 114 BROAD STE STE 201 ROME, GA 30161 | AFLAC | $5 | — | $5 | 0.00% |
| MELISSA CHANDLER3 | 423 PRIOR ST NE GAINSVILLE, GA 30501 | AFLAC | $5 | — | $5 | 0.00% |
| ANY O SHIELDS3 | 5159 CALGARY DRIVE DOUGLASVILLE, GA 30135 | AFLAC | $5 | — | $5 | 0.00% |
| ALEXANDER WARD3 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $5 | — | $5 | 0.00% |
| RONALD S SANDERS3 Filed as: RONALD SANDERS | 1194 E LAKEVIEW DRT SAN TAN VALLEY, AZ 85143 | AFLAC | $4 | — | $4 | 0.00% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMOUSE ROAD ELLERSLIE, GA 31807 | AFLAC | $2 | — | $2 | 0.00% |
| STAN A SHERLIN3 Filed as: STAN SHERLIN | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $2 | — | $2 | 0.00% |
| BIS BENEFITS, INC.3 Filed as: BIS BENEFITS INC. | 10745 WESTSIDE WAY STE 250 ALPHARETTA, GA 30009 | AFLAC | $0 | — | $0 | 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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 429 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 429 | $1.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 429 | $1.1M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 623 | $895K |
| Short-term disability | AFLAC | 323 | $253K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 623 | $895K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 623 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.