| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | 1104 AMHERST ST WINCHESTER, VA 22601 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $25K | $2K | $27K | 2.30% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27409 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $24K | — | $24K | 2.10% |
| ANDREA R BROCK3 | 5120 INDIAN CIR GAINESVILLE, GA 30506 | AFLAC | $2K | $257 | $2K | 9.89% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $195 | $51 | $246 | 1.21% |
| LAVADA LYNN SCARLETT3 | 3619 SHADY OAK TRL GAINESVILLE, GA 30506 | AFLAC | $209 | $31 | $240 | 1.18% |
| V C SMITH LLC3 | 5300 OAKBROOK PKWY BLDG 300/350 NORCROSS, GA 30093 | AFLAC | $109 | $10 | $119 | 0.58% |
| KIMBERLY ANN GARRISON3 Filed as: KIMBERLY ANN GARRISION | 4437 CLUBSIDE DR GAINESVILLE, GA 30504 | AFLAC | $116 | — | $116 | 0.57% |
| MRS JACKSON BOYUM3 | 2040 SKYLAR LEIGH DR BUFORD, GA 30518 | AFLAC | $113 | — | $113 | 0.55% |
| JENNIFER S CAGLE3 | PO BOX 506 CLERMONT, GA 30527 | AFLAC | $94 | — | $94 | 0.46% |
| VANCE C SMITH III3 | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $45 | $11 | $56 | 0.27% |
| ADRIANA PARRISH RIVERA3 | 1093 MAGNOLIA WAY LAWRENCEVILLE, GA 30046 | AFLAC | $41 | — | $41 | 0.20% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD AND SMITH AGENCY INC | PO BOX 1058 GAINESVILLE, GA 30503 | AFLAC | $30 | — | $30 | 0.15% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $18 | — | $18 | 0.09% |
| JOHN BEERMAN3 Filed as: JOHN P ESSIGMAN | 3560 HIGHWAY 255 S CLEVELAND, GA 30528 | AFLAC | $17 | — | $17 | 0.08% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $16 | — | $16 | 0.08% |
| SHARON L HALL3 | PO BOX 1857 DAWSONVILLE, GA 30534 | AFLAC | $14 | — | $14 | 0.07% |
| KIRKLYN SMITH WILSON3 | PO BOX 705 CLERMONT, GA 30527 | AFLAC | $10 | — | $10 | 0.05% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $8 | — | $8 | 0.04% |
| SUSAN REDDOCH BUFFINGTON3 | 400 TAX RD SHILOH, GA 31826 | AFLAC | $6 | — | $6 | 0.03% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD ST STE 259 MEMPHIS, TN 38119 | AFLAC | $3 | — | $3 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DR LAWRENCEVILLE, GA 30043 | AFLAC | $3 | — | $3 | 0.01% |
| ANA MARIE GARCIA SMITH3 | 110 VANDERVIEW DR SEYMOR, TN 37865 | AFLAC | $3 | — | $3 | 0.01% |
| DUSTIN ROBERT JOHNSON3 | 50 HURT PLZ SE STE 995 SUITE 1630 ATLANTA, GA 30303 | AFLAC | $2 | — | $2 | 0.01% |
| SCOTTI MADISON3 | 3330 COBB PKWY NW STE 324-3 ACWORTH, GA 30101 | AFLAC | $2 | — | $2 | 0.01% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $2 | — | $2 | 0.01% |
| ESMERALDA M LUCAS3 | 2135 GLENFIELD TRCE CUMMING, GA 30041 | AFLAC | $1 | — | $1 | 0.00% |
| LEE RYAN MCGRAW3 | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 43 S BROAD ST STE B WINDER, GA 306802037 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $212 | $212 | 1.50% |
| MCGRIFF INSURANCE SERVICES INC3 | 43 S BROAD ST STE B WINDER, GA 306802037 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 43 S BROAD ST STE B WINDER, GA 306802037 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $807 | $780 | $2K | 29.51% |
| BB&T INS SER INC-WINDER3 | 43 S BROAD ST STE B WINDER, GA 306802037 | HUMANA INSURANCE COMPANY | $254 | — | $254 | — |
| MIHIR A MUTTA3 | 1341 ORCHARD CT WATKINSVILLE, GA 306777939 | HUMANA INSURANCE COMPANY | -$59 | — | -$59 | — |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 294 | $1.2M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 294 | $1.2M |
| Vision(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 294 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 294 | $1.2M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 30 | $14K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 30 | $14K |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 294 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.