| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $156K | $18K | $173K | 9.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $98K | $18K | $116K | 7.29% |
| LORRI STEMBRIDGE LLC3 | 5144 OAKTREE DR MACON, GA 31210 | AFLAC | $17K | $723 | $17K | 2.85% |
| PATRICIA R ARWOOD3 Filed as: PATRICIA ARWOOD | 851 CHRISTIAN RD JULIETTE, GA 31046 | AFLAC | $13K | $2K | $15K | 2.40% |
| JASON WEST3 | 6501 PEAKE RD STE 950 MACON, GA 31210 | AFLAC | $9K | $547 | $9K | 1.56% |
| WAYNE GULLATT3 | PO BOX 6253 MACON, GA 31208 | AFLAC | $9K | — | $9K | 1.49% |
| LORRI STEMBRIDGE LLC3 Filed as: LORRI STEMBRIDGE | 5144 OAKTREE DR MACON, GA 31210 | AFLAC | $8K | $933 | $8K | 1.39% |
| STEPHAN E CHEEK3 | 112 HUDSON WAY MACON, GA 31216 | AFLAC | $7K | — | $7K | 1.14% |
| WILLIAM FARMER3 | STE 100 C 4931 RIVERSIDE DR MACON, GA 31210 | AFLAC | $4K | — | $4K | 0.72% |
| F&G DIVERSIFIED LLC3 | PO BOX 7251 MACON, GA 31209 | AFLAC | $4K | — | $4K | 0.59% |
| STEVEN L BARKER3 Filed as: STEVEN BARKER | 121 HAMPTON RIDGE RD MACON, GA 31220 | AFLAC | $3K | $16 | $3K | 0.56% |
| JAMES M PITZ3 Filed as: JAMES PITZ | 84 MINK DR CATAULA, GA 31804 | AFLAC | $2K | — | $2K | 0.41% |
| WILLIAM L AMOS & CO INC3 | 6801 RIVER RD STE 205 COLUMBUS, GA 31904 | AFLAC | $2K | — | $2K | 0.32% |
| JAMES STUART3 | 255 EAGLE DR MACON, GA 31211 | AFLAC | $2K | — | $2K | 0.30% |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $1K | — | $1K | 0.20% |
| TAMARA C MCBRYANT3 Filed as: TAMARA MCBRYANT | 954 MATTHEWS DRIVE MACON, GA 31210 | AFLAC | $1K | — | $1K | 0.17% |
| KIMBERLY FARMER3 | STE 100 C 4391 RIVERSIDE DR MACON, GA 31210 | AFLAC | $736 | — | $736 | 0.12% |
| LYNN SIMS3 | 35 SASSAFRAS TRL SAVANNAH, GA 31404 | AFLAC | $637 | — | $637 | 0.11% |
| NANCY MALONE3 | 205 DENTAL DRIVE SUITE 10 WARNER ROBINS, GA 31088 | AFLAC | $456 | — | $456 | 0.08% |
| ANGELA LOUISE SMITH3 Filed as: ANGELA SMITH | 2178 SANJO DR LIZELLA, GA 31052 | AFLAC | $380 | — | $380 | 0.06% |
| FRANCINE A CHRISTIANSON3 Filed as: FRANCINE CHRISTIANSON | PO BOX 7251 MACON, GA 31209 | AFLAC | $367 | — | $367 | 0.06% |
| C SKIPPER3 | PO BOX 11128 MONTGOMERY, AL 36111 | AFLAC | $320 | — | $320 | 0.05% |
| DUSTI M ARMSTRONG3 Filed as: DUSTI ARMSTRONG | 704 E SEMINOLE DR BYRON, GA 31008 | AFLAC | $315 | — | $315 | 0.05% |
| TIMOTHY IVEY3 | 134 MEADOW LARK LANE DUBLIN, GA 31021 | AFLAC | $302 | — | $302 | 0.05% |
| FRANK MEEKS JR3 | 6512 FULTON DR LIZELLA, GA 31052 | AFLAC | $248 | — | $248 | 0.04% |
| JOE MATTHEWS III3 | 291 ANDREWS DR ROBERTA, GA 31078 | AFLAC | $244 | — | $244 | 0.04% |
| ANITA SANDEFUR3 | PO BOX 5325 MACON, GA 31208 | AFLAC | $243 | — | $243 | 0.04% |
| LAWRENCE F THAMES3 Filed as: LAWRENCE THAMES | 1419 HONEYSUCKLE LN SUGAR LAND, TX 77479 | AFLAC | $215 | — | $215 | 0.04% |
| ANDREW SIMMONS3 | 5421 VILLA TRCE HOOVER, AL 35244 | AFLAC | $194 | — | $194 | 0.03% |
| BRADLEY BOLICK3 | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $124 | $51 | $175 | 0.03% |
| WILLIAM DANNER3 | PO BOX 1333 DUBLIN, GA 31040 | AFLAC | $167 | — | $167 | 0.03% |
| C PHILLIPS3 | 370 FAIRWAY CIR MONROE, GA 30656 | AFLAC | $157 | — | $157 | 0.03% |
| RPM LTD3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $64 | $51 | $115 | 0.02% |
| CHAD HAINES3 | 104 HUNTERS TRAIL CONROE, TX 77304 | AFLAC | $113 | — | $113 | 0.02% |
| KEITH FRIZZELL3 | 1795 ALYSHEBA WAY STE 1204 LEXINGTON, KY 40509 | AFLAC | $102 | — | $102 | 0.02% |
| AMY GREEN3 | 715 E 53RD ST SAVANNAH, GA 31405 | AFLAC | $70 | — | $70 | 0.01% |
| JUSTIN GROSS3 | 619 WALNUT HALL TRL WOODSTOCK, GA 30189 | AFLAC | $69 | — | $69 | 0.01% |
| RICHARD SCOTT HAYES3 Filed as: RICHARD SMITH | 125 TALL PINES DRIVE JACKSON, GA 30233 | AFLAC | $60 | — | $60 | 0.01% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $58 | — | $58 | 0.01% |
| JOHN W AMOS3 Filed as: JOHN AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $57 | — | $57 | 0.01% |
| TERESA LUMMUS3 | 145 OCONEE WOODS TRL SHARPSBURG, GA 30277 | AFLAC | $45 | — | $45 | 0.01% |
| ALAN W FOSTER3 Filed as: ALAN FOSTER | 716 FRENCH RIVER RD NOLENSVILLE, TN 37135 | AFLAC | $45 | — | $45 | 0.01% |
| CORE MANAGEMENT RESOURCES3 | PO BOX 1755 MACON, GA 31202 | AFLAC | $44 | — | $44 | 0.01% |
| HOUZE & ASSOCIATES INC3 | PO BOX 3070 LAGRANGE, GA 30241 | AFLAC | $44 | — | $44 | 0.01% |
| KATHERINE HILL3 | 217 SILVER BIRCH LN KATHLEEN, GA 31047 | AFLAC | $40 | — | $40 | 0.01% |
| THE TILLOTSON GROUP LTD3 | 5000 MASTERS LANE COLUMBUS, GA 31909 | AFLAC | $36 | — | $36 | 0.01% |
| MCNEAL AGENCY, INC.3 Filed as: MCNEAL AGENCY INC | PO BOX 6009 WARNER ROBINS, GA 31095 | AFLAC | $35 | — | $35 | 0.01% |
| NEIL M MORGAN JR3 Filed as: NEIL MORGAN JR | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $31 | — | $31 | 0.01% |
| BECKY NOOJIN3 | PO BOX 863 FRANKLIN, GA 30217 | AFLAC | $31 | — | $31 | 0.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 5555 GLENBRIDGE CONNECTOR STE 600 ATLANTA, GA 30342 | AFLAC | $31 | — | $31 | 0.01% |
| PATRICIA DUTTON3 | 200 RUNNING BEAR TRAIL FAYETTEVILLE, GA 30214 | AFLAC | $29 | — | $29 | 0.00% |
| AMELIA MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $29 | — | $29 | 0.00% |
| TAMMY SWAIN3 | 10736 KNICKERBOCKER AVE LAS VEGAS, NV 89166 | AFLAC | $28 | — | $28 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 5205 MARYLAND WAY SUITE 300 BRENTWOOD, TN 37027 | AFLAC | $27 | — | $27 | 0.00% |
| CW MCDANIEL INC3 | PO BOX 5567 COLUMBUS, GA 31906 | AFLAC | $24 | — | $24 | 0.00% |
| LESLIE K KIMBROUGH3 Filed as: LESLIE KIMBROUGH | PO BOX 273488 BOCA RATON, FL 33427 | AFLAC | $23 | — | $23 | 0.00% |
| MASKILL ENTERPRISES INC3 | PO BOX 1702 POINT CLEAR, AL 36564 | AFLAC | $23 | — | $23 | 0.00% |
| SUE TUCKER3 | 1224 PEACOCK AVE SUITE 205 COLUMBUS, GA 31906 | AFLAC | $21 | — | $21 | 0.00% |
| RICHARD CARTER SR3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $20 | — | $20 | 0.00% |
| AMY HARMON3 | PO BOX 8092 WARNER ROBINS, GA 31905 | AFLAC | $19 | — | $19 | 0.00% |
| JERALD DEE LEWARK3 Filed as: JERALD LEWARK | 6796 SCOTER DR MIDLAND, GA 31820 | AFLAC | $19 | — | $19 | 0.00% |
| SHERRI GOSS3 | 2517 MOODY RD STE 100 WARNER ROBINS, GA 31088 | AFLAC | $17 | — | $17 | 0.00% |
| JOHN YARBOROUGH3 | 1113 MOUNTAIN OAKS DR HOOVER, AL 35226 | AFLAC | $17 | — | $17 | 0.00% |
| NORA EAKIN3 | 3263 DAVIS DRIVE VALDOSTA, GA 31606 | AFLAC | $16 | — | $16 | 0.00% |
| REID ALFORD3 | 4505 PINE TREE CIR STE 201 BIRMINGHAM, AL 35243 | AFLAC | $15 | — | $15 | 0.00% |
| KIMBERLY W MANDERS3 Filed as: KIMBERLY MANDERS | 4232 QUAIL SPRINGS CIR MARTINEZ, GA 30907 | AFLAC | $14 | — | $14 | 0.00% |
| SANDRA MATHIS3 | 7310 NORTH LAKE DR STE B COLUMBUS, GA 31909 | AFLAC | $14 | — | $14 | 0.00% |
| JRP AGENCY LLC3 | 4712 RADAR SITE RD VALDOSTA, GA 31605 | AFLAC | $13 | — | $13 | 0.00% |
| JENNIFER SMITH3 | 319 N MAIN AVE STE 130 SPRINGFIELD, MO 65806 | AFLAC | $13 | — | $13 | 0.00% |
| SELINA STURGIS3 | 3594 GUEST RD VALDOSTA, GA 31605 | AFLAC | $12 | — | $12 | 0.00% |
| THOMAS BAXTER3 | PO BOX 86 FAYETTEVILLE, GA 30214 | AFLAC | $9 | — | $9 | 0.00% |
| THOMAS METZGER3 | 1083 E COTTONWOOD WAY PALATINE, IL 60074 | AFLAC | $9 | — | $9 | 0.00% |
| PODNAS INC / BECK & ASSOC3 Filed as: PODNAS INC/BECK & ASSOC | 6900 HILLTOP COURT COLUMBUS, GA 31904 | AFLAC | $9 | — | $9 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: NANNETTE BROWN | 146 S HOMEWOOD DR ATHENS, GA 30606 | AFLAC | $8 | — | $8 | 0.00% |
| CONNIE FERGUSON3 | 105 CEDAR KNOB SE EATONTON, GA 31024 | AFLAC | $8 | — | $8 | 0.00% |
| TERESA BLAKE3 | 3408 CANTURA BLUFF AVE NORTH LAS VEGAS, NV 89031 | AFLAC | $8 | — | $8 | 0.00% |
| TRAVERS PAINE IV3 | PO BOX 14963 AUGUSTA, GA 30919 | AFLAC | $8 | — | $8 | 0.00% |
| ROBERT GOBLE3 | 1410 4TH STREET DR NW UNIT 208 HICKORY, NC 28601 | AFLAC | $7 | — | $7 | 0.00% |
| J STAN ALLEN INC3 | 1800 BUENA VISTA RD COLUMBUS, GA 31906 | AFLAC | $6 | — | $6 | 0.00% |
| LANCE OSBORNE3 | 21822 SEACREST LN HUNTINGTON BEACH, CA 92646 | AFLAC | $6 | — | $6 | 0.00% |
| WALTER SCOTT MANNING3 Filed as: WALTER MANNING | 421 CHELSEY COVE FRANKLIN, TN 37064 | AFLAC | $6 | — | $6 | 0.00% |
| RONALD EUGENE WALLACE3 Filed as: RONALD WALLACE | PO BOX 1355 BAY MINETTE, AL 36507 | AFLAC | $5 | — | $5 | 0.00% |
| DIANE GRABIAK3 | 5576 HOWLAND CT DUNWOODY, GA 30338 | AFLAC | $4 | — | $4 | 0.00% |
| SUSAN P WATLEY3 Filed as: SUSAN WATLEY | 6366 INDEPENDENCE DR COLUMBUS, GA 31909 | AFLAC | $4 | — | $4 | 0.00% |
| DANIEL FITZGERALD INC3 | 3672 BAY PT AUGUSTA, GA 30907 | AFLAC | $4 | — | $4 | 0.00% |
| CINDY WILLIAMS3 | 1925 CATAMARAN DR NAVARRE, FL 32566 | AFLAC | $4 | — | $4 | 0.00% |
| THOMAS ROBERT GIDDENS3 Filed as: THOMAS GIDDENS | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $2 | — | $2 | 0.00% |
| MARTHA JORDAN3 | 691 ADAMS RD CHULA, GA 31733 | AFLAC | $2 | — | $2 | 0.00% |
| RONALD S SANDERS3 Filed as: RONALD SANDERS | 1194 E LAKEVIEW DR T SAN TAN VALLEY, AZ 85143 | AFLAC | $2 | — | $2 | 0.00% |
| ROSS CHEELY3 | 121 HUDSON DR NE MILLEDGEVILLE, GA 31061 | AFLAC | $2 | — | $2 | 0.00% |
| WILLIAM WARDLAW JR3 | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $2 | — | $2 | 0.00% |
| SCOTT A SMITH3 Filed as: SCOTT SMITH | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $1 | — | $1 | 0.00% |
| MARGUERITE E LEMMON-RINEHART3 Filed as: MARGUERITE LEMMON-RINEHART | 10165 WOODBROOK CIR LAKELAND, TN 38002 | AFLAC | $1 | — | $1 | 0.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - ATLANTA | 29840 NETWORK PL CHICAGO, IL 606731298 | UNITED HEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 6.98% |
| BENEFIT ANALYSTS INC3 | P.O. BOX 6253 MACON, GA 312086253 | HARTFORD LIFE AND ACCIDENT | $32K | — | $32K | 6.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $69K | $7K | $76K | 14.69% |
| BENTECH INC3 | 109 HUNTER LANE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $2K | $11K | 4.78% |
| JAMES SNOW3 Filed as: JAMES G SNOW | 286 CASTLEGATE ROAD MACON, GA 31210 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $149 | $7K | 2.91% |
| ROY CHILDRESS3 | 104 CLAY RIDGE RD COLUMBIA, SC 29223 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $75 | $2K | 0.99% |
| BENEFIT COMMUNICATION SPECIALISTS3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $573 | $2K | 0.85% |
| YOUNG AGENCY LLC3 | 326 WESLEY CIRCLE MACON, GA 31204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $775 | $595 | $1K | 0.61% |
| ADVANCED BENEFIT SYSTEM INC3 | 245 SEVEN FARMS DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $576 | $330 | $906 | 0.40% |
| RAY MCMARTIN3 Filed as: RAY INS AGENCY | 6848 CLYATTVILLE LAKE PARK RD VALDOSTA, GA 31601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $789 | — | $789 | 0.35% |
| PAM P WALTON3 | PO BOX 369 NICHOLLS, GA 31554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $746 | — | $746 | 0.33% |
| M.E. WILSON COMPANY, LLC3 Filed as: ED WILSON | 23 GRAND LAKE CIRLCE SAVANNAH, GA 31504 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $322 | — | $322 | 0.14% |
| CARIE DEANNE CHANEY3 | 37 W FAIRMONT AVE SAVANNAH, GA 31406 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $122 | $77 | $199 | 0.09% |
| SHARON SIMPSON MCCLENDON3 Filed as: SHARON WILSON | 23 GRAND LAKE CIRCLE SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $185 | — | $185 | 0.08% |
| SPECTRUM SOLUTIONS INC3 | 213 GOVERNOR WALK KATHLEEN, GA 31047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $154 | $9 | $163 | 0.07% |
| ROBERT E FENN3 | 179 LAKE LURE DR ALMA, GA 31510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.05% |
| MICHAEL J ATKINS3 | 147 TUPELO CIRCLE BRUNSWICK, GA 31525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $69 | — | $69 | 0.03% |
| WILLIAMS JASON JOINER3 | 110 ROBINSON WAY WARNER ROBBINS, GA 31088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | $39 | $50 | 0.02% |
| H STAN CLAXTON AGENCY INC3 | 901 WARTHEN ST VIADLIA, GA 30474 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | — | $50 | 0.02% |
| CHARLES D. BLOCK3 Filed as: CHARLES T FERGUSON | 454 OLEANDER WAY HARDEEVILLE, SC 29927 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.02% |
| RAYMOND C GRAY3 | 34431 SHADEWOOD CIR LEESBURG, FL 34788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $31 | — | $31 | 0.01% |
| WILSON EMPLOYEE BENEFITS EDUCATION3 | 41 PARK OF COMMERCE WAY SAVANNAH, GA 31405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.01% |
| FIRST INSURANCE3 Filed as: FIRST BENEFITS INC | 3783 VINEVILLE AVE MACON, GA 31204 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| RODNEY BARNARD3 | 1166 EAGLE CIRCLE NE TOWNSEND, GA 31331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.01% |
| HOLLERN & ASSOCIATES INCORPORATED3 | 11412 ROBBIA DRIVE LAS VEGAS, NV 89138 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| PREMIUM CONSULTANTS LLC3 | 1166 EAGLE CIRCLE NE TOWNSEND, GA 31331 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| THE GRAHAM COMPANY3 Filed as: GRAHAM TYRE | PO BOX 369 NICHOLLS, GA 31554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $13K | 10.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 2100 ROSS AVE SUITE 1200 DALLAS, TX 75201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $1K | $10K | 14.72% |
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 | 5,000 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 135 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 127 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,533 | $524K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,999 | $2.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,470 | $518K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,672 | $1.6M |
| Other(3 contracts, 2 carriers) | AFLAC | 4,999 | $792K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,999 | — |
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.