| 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 | $138K | — | $138K | 9.54% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | P.O. BOX 1058 GAINESVILLE, GA 30503 | SUN LIFE ASSURANCE COMPANY OF CANADA | $92K | — | $92K | 11.15% |
| MGIS3 | 111 SOUTH MAIN STREET SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $180 | $180 | 0.02% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | P.O. BOX 1058 GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2.9M | $3K | $2.9M | 1001.07% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD AND SMITH AGENCY | P.O. BOX 1058 GAINESVILLE, GA 30503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | — |
| BROCK R ANDREA3 | 5120 INDIAN CIRCLE GAINSVILLE, GA 30506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | — |
| LAVADA LYNN SCARLETT3 Filed as: LAVADA SCARLETT | 3619 SHADY OAK TRAIL GAINESVILLE, GA 30506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | — |
| COLLEEN M KIRKLAND3 | 6030 CRESTMONT DRIVE CHINO HILLS, CA 91709 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | — |
| SHARON HALL3 | P.O. BOX 1857 DAWSONVILLE, GA 30534 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | — |
| DEJUAN B MARTIN3 | 6600 SHOAL CREEK ROAD CLERMONT, GA 30527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | — |
| PHILIP R MCQUEEN3 Filed as: PHILIP R. MCQUEEN | 4977 ODUM GAINESVILLE, GA 30523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | — |
| TAYLOR V COSCINO3 | 1526 FOOTE ST NE ATLANTA, GA 30307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | — |
| CYAN SATTIN3 | 11050 CRABAPPLE RD C107 ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $920 | — | $920 | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: NANNETTE D BROWN | 527 ACRES ESTATES TOCCOA, GA 30577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $903 | — | $903 | — |
| SHARON D ROBERTS3 | P.O. BOX 1129 YOUNG HARRIS, GA 30582 | CONTINENTAL AMERICAN INSURANCE COMPANY | $672 | — | $672 | — |
| LKI LLC3 | 5037 BROOKSIDE CT ALPHARETTA, GA 30004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $610 | — | $610 | — |
| MICHAEL ATZ3 | 3330 PIEDMONT RD NE ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $509 | — | $509 | — |
| ASHLEA H MAYER3 | 1771 MILFORD CREEK OVERLOOK SW MARIETTA, GA 30008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $485 | — | $485 | — |
| ASHLEY N GALLOWAY3 | 434 TIMBER COURT CLARKESVILLE, GA 30523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $386 | — | $386 | — |
| KELLEE HALL3 | 5 BUFORD VILLAGE WALK BUFORD, GA 30518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $189 | — | $189 | — |
| JEFFREY M SINTAY3 | 115 WRIGHTS MILL PL ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | — |
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 | 362 | 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) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 676 | $1.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 676 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 676 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 628 | $826K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 628 | $826K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 676 | $1.4M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 628 | $826K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.