| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | AETNA LIFE INSURANCE CO. | $25K | $8K | $33K | 2.65% |
| MATT A KEISLER3 | PO BOX 1596 WINDER, GA 30680 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.21% |
| THE BENEFIT COMPANY INC3 Filed as: THE BENEFIT COMPANY, INC. | PO BOX 211486 COLUMBIA, SC 29221 | STANDARD INSURANCE COMPANY | $8K | $1K | $9K | 16.36% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | PO BOX 896620 CHARLOTTE, NC 28289 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 15.21% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES INC. | 2520 NORTHWINDS PKWY STE 600 ALPHARETTA, GA 30009 | STANDARD INSURANCE COMPANY | $347 | — | $347 | 0.61% |
| MATT KEISLER3 | 73 FIRST ST STE C HOSCHTON, GA 30548 | STANDARD INSURANCE COMPANY | $116 | — | $116 | 0.20% |
| ANDREA R BROCK3 | 5120 INDIAN CIR GAINESVILLE, GA 30506 | AFLAC | $10K | $440 | $10K | 21.81% |
| CHANICE LANGSTON JAMES3 | 436 HARTWELL ST ROYSTON, GA 30662 | AFLAC | $4K | — | $4K | 9.42% |
| CYNTHIA LOGGINS3 Filed as: CYNTHIA BERNARD LOGGINS | 1434 EMERSON WAY MONROE, GA 30656 | AFLAC | $619 | — | $619 | 1.33% |
| JEFFREY M SINTAY3 | 680 BLACKWELL BND ALPHARETTA, GA 30004 | AFLAC | $533 | — | $533 | 1.15% |
| ANNACLAIRE JOHNS3 | 109 N MAIN ST STE 3 HENDERSON, KY 42402 | AFLAC | $404 | — | $404 | 0.87% |
| JENNIFER S CAGLE3 | 958 MCEVER RD STE B3 GAINSVILLE, GA 30504 | AFLAC | $96 | — | $96 | 0.21% |
| KIMBERLY ANN GARRISON3 | 73 MAYRANT BLUFF LN UNIT 73 GEORGETOWN, SC 29440 | AFLAC | $89 | — | $89 | 0.19% |
| SCOTT A SMITH3 Filed as: SCOTT ALLEN SMITH | 6340 SUGARLOAF PKWAY STE 200 DULUTH, GA 30097 | AFLAC | $82 | — | $82 | 0.18% |
| MRS JACKSON BOYUM3 | 2040 SKYLAR LEIGH DR BUFORD, GA 30518 | AFLAC | $71 | — | $71 | 0.15% |
| LAVADA LYNN SCARLETT3 | 3619 SHADY OAK TRL GAINESVILLE, GA 30506 | AFLAC | $69 | — | $69 | 0.15% |
| JOSEPH GARETT KELLER3 | 422 FREDERICA ST OWENSBORO, KY 42301 | AFLAC | $68 | — | $68 | 0.15% |
| TURNER WOOD & SMITH3 Filed as: TURNER WOOD AND SMITH AGENCY INC | PO BOX 1058 GAINESVILLE, GA 30503 | AFLAC | $63 | — | $63 | 0.14% |
| JENNIFER KELLER3 Filed as: JENNIFER L KELLER | 422 FREDERICA ST OWENSBORO, KY 42301 | AFLAC | $46 | — | $46 | 0.10% |
| MRS JACKSON BOYUM3 Filed as: MRS JACKSON C BOYUM | 2040 SKYLAR LEIGH DR BUFORD, GA 30518 | AFLAC | $36 | — | $36 | 0.08% |
| V C SMITH LLC3 | 1352 HARVARD RD NE ATLANTA, GA 30306 | AFLAC | $34 | — | $34 | 0.07% |
| COLLEEN M KIRKLAND3 | 1270 HOPEWELL CRST ALPHARETTA, GA 30004 | AFLAC | $23 | — | $23 | 0.05% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE RD GUNTERSVILLE, AL 35976 | AFLAC | $23 | — | $23 | 0.05% |
| SCOTT A SMITH3 | 6340 SUGARLOAF PKWY STE 200 DULUTH, GA 30097 | AFLAC | $20 | — | $20 | 0.04% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $7 | — | $7 | 0.02% |
| KIRKLYN SMITH WILSON3 | PO BOX 705 CLERMONT, GA 30527 | AFLAC | $4 | — | $4 | 0.01% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $3 | — | $3 | 0.01% |
| ANA MARIE GARCIA SMITH3 | 4504 FAWNIE LN KNOXVILLE, TN 37918 | AFLAC | $3 | — | $3 | 0.01% |
| SUSAN REDDOCH BUFFINGTON3 | PO BOX 344 MANCHESTER, GA 31816 | AFLAC | $2 | — | $2 | 0.00% |
| ESMERALDA M LUCAS3 | 2135 GLENFIELD TRCE CUMMING, GA 30041 | AFLAC | $2 | — | $2 | 0.00% |
| LEE RYAN MCGRAW3 | 726 MEADOWBROOK RD CARROLLTON, GA 30117 | AFLAC | $2 | — | $2 | 0.00% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $1 | — | $1 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $1 | — | $1 | 0.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | MCGRIFF INSURANCE SERVICES INC CHARLOTTE, NC 28289 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 18.39% |
| A TEAM BENEFITS OF GA3 | A TEAM BENEFITS OF GA, LLC HOSCHTON, GA 30548 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $857 | — | $857 | 3.79% |
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 | 220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 327 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO. | 327 | $1.3M |
| Vision | AETNA LIFE INSURANCE CO. | 327 | $1.3M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 213 | $23K |
| Short-term disability | AFLAC | 51 | $47K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 213 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.