| 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. | $81K | $98 | $81K | 5.41% |
| MCGRIFF INSURANCE SERVICES INC3 | 43 S BROAD ST STE B WINDER, GA 306802037 | AMERICAN UNITED LIFE INSURANCE COMPANY | $8K | $1K | $10K | 18.06% |
| THE BENEFIT COMPANY INC3 | 6 CONCOURSE PARKWAY SUITE 2750 ATLANTA, GA 30328 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $8K | $8K | 14.62% |
| ANDREA R BROCK3 | 5120 INDIAN CIR GAINESVILLE, GA 30506 | AFLAC | $2K | — | $2K | 10.06% |
| LAVADA LYNN SCARLETT3 | 3619 SHADY OAK TRL GAINESVILLE, GA 30506 | AFLAC | $309 | — | $309 | 1.65% |
| COLLEEN M KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $119 | — | $119 | 0.64% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $109 | — | $109 | 0.58% |
| V C SMITH LLC3 | 5300 OAKBROOK PKWY BLDG 300/350 NORCROSS, GA 30093 | AFLAC | $100 | — | $100 | 0.53% |
| KIMBERLY ANN GARRISON3 | 4437 CLUBSIDE DR GAINSVILLE, GA 30504 | AFLAC | $100 | — | $100 | 0.53% |
| MRS JACKSON BOYUM3 | 2040 SKYLAR LEIGH DR BUFORD, GA 30518 | AFLAC | $96 | — | $96 | 0.51% |
| JENNIFER S CAGLE3 | PO BOX 506 CLERMONT, GA 30527 | AFLAC | $81 | — | $81 | 0.43% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD AND SMITH AGENCY INC | PO BOX 1058 GAINESVILLE, GA 30503 | AFLAC | $30 | — | $30 | 0.16% |
| ANDRIANA PARRISH RIVERA3 | 1093 MAGNOLIA WAY LAWRENCEVILLE, GA 30046 | AFLAC | $18 | — | $18 | 0.10% |
| JOHN BEERMAN3 Filed as: JOHN P ESSIGMAN | 3560 HIGHWAY 255 S CLEVELAND, GA 30528 | AFLAC | $17 | — | $17 | 0.09% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $16 | — | $16 | 0.09% |
| SHARON L HALL3 | PO BOX 1857 DAWSONVILLE, GA 30534 | AFLAC | $14 | — | $14 | 0.07% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $12 | — | $12 | 0.06% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $6 | — | $6 | 0.03% |
| KIRKLYN SMITH WILSON3 | PO BOX 705 CLERMONT, GA 30527 | AFLAC | $5 | — | $5 | 0.03% |
| SUSAN REDDOCH BUFFINGTON3 Filed as: SUSAN REDDOUCH BUFFINGTON | 400 TAX RD SHILOH, GA 31826 | AFLAC | $5 | — | $5 | 0.03% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD ST STE 259 MEMPHIS, TN 38119 | AFLAC | $3 | — | $3 | 0.02% |
| ANA MARIE GARCIA SMITH3 | 110 VANDERVIEW DR SEYMOUR, TN 37865 | AFLAC | $3 | — | $3 | 0.02% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DR LAWRENCEVILLE, GA 30043 | AFLAC | $2 | — | $2 | 0.01% |
| SCOTTI MADISON3 | 3330 COBB PKWY NW STE 324-3 ACWORTH, GA 30101 | AFLAC | $2 | — | $2 | 0.01% |
| ESMERALDA M LUCAS3 | 2135 GLENFIELD TRCE CUMMING, GA 30041 | AFLAC | $1 | — | $1 | 0.01% |
| LEE RYAN MCGRAW3 | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $1 | — | $1 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 2100 BULLOCK BLUFF DR LOGANVILLE, GA 30052 | AFLAC | $1 | — | $1 | 0.01% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $1 | — | $1 | 0.01% |
| DUSTIN ROBERT JOHNSON3 | 50 HURT PLZ SE STE 995 STE 1630 ATLANTA, GA 30303 | AFLAC | $1 | — | $1 | 0.01% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 410 BAROQUE DR ALPHARETTA, GA 30009 | AFLAC | $1 | — | $1 | 0.01% |
| DUSTIN ROBERT JOHNSON3 | 745 W BROMPTON AVE APT 1 CHICAGO, IL 60657 | AFLAC | $1 | — | $1 | 0.01% |
| 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 | 47 AIRPARK COURT PO BOX 27149 GREENVILLE, SC 296162149 | AMERITAS LIFE INSURANCE CORP. | — | $446 | $446 | 3.12% |
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 | 217 | 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) | 217 | 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. | 326 | $1.5M |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 326 | $1.5M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 326 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 326 | $1.5M |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 242 | $53K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 242 | $53K |
| Other(4 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 326 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.