| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRITTANY REYNOLDS3 | 5928 ROARING BRANCH ROAD COLUMBUS, GA 31904 | AFLAC | $5K | $676 | $6K | 6.64% |
| MJ INSURANCE3 Filed as: ROBERT M. BAKER AND VARIOUS AGENTS | 2730 LYNDA LANE COLUMBUS, GA 31906 | AFLAC | $3K | $102 | $3K | 3.25% |
| LISA MCDANIEL3 | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $2K | $262 | $2K | 2.63% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | AFLAC | $2K | $153 | $2K | 2.28% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H. REYNOLDS III | 5928 ROARING BRANCH ROAD COLUMBUS, GA 31904 | AFLAC | $1K | $0 | $1K | 1.30% |
| SUE C TUCKER3 Filed as: SUE C. TUCKER | 9856 U.S. HIGHWAY 29 NORTH CUSSETA, AL 36852 | AFLAC | $975 | $78 | $1K | 1.16% |
| CW MCDANIEL INC3 Filed as: CW MCDANIEL, INC. | PO BOX 5567 COLUMBUS, GA 31906 | AFLAC | $842 | $0 | $842 | 0.93% |
| MJ INSURANCE3 Filed as: GRADY LEE AND VARIOUS AGENTS | 1201 FRONT AVENUE, UNIT 206 COLUMBUS, GA 31901 | AFLAC | $234 | $4 | $238 | 0.26% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H. REYNOLDS III | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | AFLAC | $85 | $0 | $85 | 0.09% |
| V C SMITH LLC3 | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | AFLAC | $55 | $0 | $55 | 0.06% |
| ROBERT CURRY3 | 1214 LEE ROAD 288 SMITHS STATION, AL 36877 | AFLAC | $41 | $0 | $41 | 0.05% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY SE, SUITE 600 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.07% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H. REYNOLDS III | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $110 | $0 | $110 | 4.33% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | $0 | $31 | 1.22% |
| MJ INSURANCE3 Filed as: STEPHANIE PRUETT AND VARIOUS AGENTS | 630 EAST 57TH STREET SAVANNAH, GA 31405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.71% |
| CORINNE L. LECLERCQ3 | 7009 EAST ACOMA DRIVE, UNIT 1094 SCOTTSDALE, AZ 85284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.63% |
| V C SMITH LLC3 | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.55% |
| ROBERT M BAKER3 Filed as: ROBERT M. BAKER | 1940 SPRINGDALE DRIVE COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.35% |
| SUE C TUCKER3 Filed as: SUE C. TUCKER | 9856 U.S. HIGHWAY 29 NORTH CUSSETA, AL 36852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.32% |
| BRITTANY REYNOLDS3 | UNKNOWN COLUMBUS, GA 31901 | KEMPER BENEFITS | $5K | $0 | $5K | — |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM AMOS | UNKNOWN COLUMBUS, GA 31901 | KEMPER BENEFITS | $1K | $0 | $1K | — |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $49K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 260 | $86K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 121 | $93K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 260 | $86K |
| Other(3 contracts, 3 carriers) | AFLAC | 260 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.