| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 282896620 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $75K | $87K | 6.36% |
| MCGRIFF INSURANCE SERVICES INC3 | 43 S BROAD ST STE B WINDER, GA 30680 | AMERICAN UNITED LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| THE BENEFIT COMPANY INC3 | 3800 FERNANDINA ROAD COLUMBIA, SC 29210 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $7K | $7K | 11.72% |
| ANDREA R BROCK3 | 5120 INDIAN CIR GAINESVILLE, GA 30506 | AFLAC | $899 | — | $899 | 6.81% |
| LAVADA LYNN SCARLETT3 | 3619 SHADY OAK TRL GAINESVILLE, GA 30506 | AFLAC | $113 | — | $113 | 0.86% |
| KIMBERLY ANN GARRISON3 | 73 MAYRANT BLUFF LN UNIT 73 GEORGETOWN, SC 29440 | AFLAC | $93 | — | $93 | 0.70% |
| JENNIFER S CAGLE3 | 958 MCEVER RD STE 83 GAINSVILLE, GA 30504 | AFLAC | $81 | — | $81 | 0.61% |
| MRS JACKSON BOYUM3 | 2040 SKYLAR LEIGH DR BUFORD, GA 30518 | AFLAC | $65 | — | $65 | 0.49% |
| V C SMITH LLC3 | 1352 HARVARD RD NE ATLANTA, GA 30306 | AFLAC | $40 | — | $40 | 0.30% |
| COLLEEN M KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $34 | — | $34 | 0.26% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD AND SMITH AGENCY INC | PO BOX 1058 GAINESVILLE, GA 30503 | AFLAC | $30 | — | $30 | 0.23% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $23 | — | $23 | 0.17% |
| MRS JACKSON BOYUM3 Filed as: MRS JACKSON C BOYUM | 2040 SKYLAR LEIGH DR BUFORD, GA 30518 | AFLAC | $19 | — | $19 | 0.14% |
| JOHN BEERMAN3 Filed as: JOHN P ESSIGMAN | 3560 HIGHWAY 255 S CLEVELAND, GA 30528 | AFLAC | $17 | — | $17 | 0.13% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY STE 350 NORCROSS, GA 30093 | AFLAC | $16 | — | $16 | 0.12% |
| SHARON L HALL3 | PO BOX 1857 DAWSONVILLE, GA 30534 | AFLAC | $14 | — | $14 | 0.11% |
| JEFFREY M SINTAY3 | 530 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $6 | — | $6 | 0.05% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $6 | — | $6 | 0.05% |
| STEPHANIE BECK3 | PO BOX 372 MOUNTAIN CITY, GA 30562 | AFLAC | $5 | — | $5 | 0.04% |
| KIRKLYN SMITH WILSON3 | PO BOX 705 CLERMONT, GA 30527 | AFLAC | $5 | — | $5 | 0.04% |
| 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% |
| SUSAN REDDOCH BUFFINGTON3 | PO BOX 344 MANCHESTER, GA 31816 | AFLAC | $2 | — | $2 | 0.02% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $2 | — | $2 | 0.02% |
| 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% |
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) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 235 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 235 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 235 | $1.4M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 244 | $57K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 244 | $57K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 244 | $57K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 244 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
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.