| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH INSURANCE | P.O. BOX 1058 GAINESVILLE, GA 30503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $142K | — | $142K | 9.71% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD & SMITH AGENCY | P.O. BOX 1058 GAINESVILLE, GA 30503 | SUN LIFE ASSURANCE COMPANY OF CANADA | $129K | — | $129K | 10.83% |
| 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 INC | P.O. BOX 1058 GAINESVILLE, GA 30503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | — | $34K | 10.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.33% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD AND SMITH AGENCY | P.O. BOX 1058 GAINESVILLE, GA 30503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.35% |
| ANDREA R BROCK3 Filed as: ANDREA RENEE BLOCK | 5120 INDIAN CIRCLE GAINSVILLE, GA 30506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.68% |
| LAVADA LYNN SCARLETT3 Filed as: LAVADA L SCARLETT | 3619 SHADY OAK TRAIL GAINESVILLE, GA 30506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.76% |
| SHARON HALL3 | P.O. BOX 1857 DAWSONVILLE, GA 30534 | CONTINENTAL AMERICAN INSURANCE COMPANY | $374 | — | $374 | 0.27% |
| PHILIP R MCQUEEN3 | 4977 ODUM SMALLWOOD RD GAINESVILLE, GA 30527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $279 | — | $279 | 0.20% |
| DEJUAN B MARTIN3 | 6600 SHOAL CREEK RD CLERMONT, GA 30527 | CONTINENTAL AMERICAN INSURANCE COMPANY | $271 | — | $271 | 0.20% |
| CYAN SATTIN3 | 4229 BLUEHOUSE LN ALPHARETTA, GA 30022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $171 | — | $171 | 0.12% |
| TAYLOR V COSCINO3 | TAYLOR V COSCINO ATLANTA, GA 30307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $145 | — | $145 | 0.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: NANNETTE DEFOOR BROWN | 527 ACRES ESTATES TOCCOA, GA 30577 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.10% |
| LKI LLC3 | 5037 BROOKSIDE CT ALPHARETTA, GA 30004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | — | $91 | 0.07% |
| SHARON D ROBERTS3 Filed as: SHARON DEDEE ROBERTS | 7183 KING COVERD YOUNG HARRIS, GA 30582 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.06% |
| ASHLEA H MAYER3 Filed as: ASHLEA HUTCHINS MAYER | 1771 MILFORD CREEK OBERLOOK SW MARIETTA, GA 30008 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.06% |
| ASHLEY N GALLOWAY3 | 434 TIMBER COURT CLARKESVILLE, GA 30523 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.06% |
| KELLEE HALL3 | 5 BUFORD VILLAGE WALK BUFORD, GA 30518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.03% |
| SJR INSURANCE LLC3 | 3732 UPLAND DR MERIETTA, GA 30066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.02% |
| JEFFREY M SINTAY3 | 680 BLACKWELL BND ALPHARETTA, GA 30004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| JEFFREY M SINTAY3 | 680 BLACKWELL BND ALPHARETTA, GA 30004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.01% |
| COLLEEN M KIRKLAND3 Filed as: COLLEEN MEI LING KIRKLAND | 11050 CRABAPPLE RD STE C 107 ROSWELL, GA 30075 | CONTINENTAL AMERICAN INSURANCE COMPANY | $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 | 699 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 695 | $1.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 400 | $342K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 695 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 685 | $1.3M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 685 | $1.2M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 685 | $1.2M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 695 | $1.5M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 685 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 695 | — |
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.