| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRITTANY REYNOLDS3 Filed as: BRITTANY D. REYNOLDS | 5928 ROARING BRANCH ROAD COLUMBUS, GA 31902 | AFLAC | $4K | $903 | $5K | 6.40% |
| MJ INSURANCE3 Filed as: CW MCDANIEL AND VARIOUS AGENTS | PO BOX 5567 COLUMBUS, GA 31906 | AFLAC | $2K | $24 | $2K | 2.95% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | AFLAC | $2K | $56 | $2K | 1.98% |
| LISA MCDANIEL3 Filed as: LISA F. MCDANIEL | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $1K | $33 | $1K | 1.65% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H. REYNOLDS | 5928 ROARING BRANCH ROAD COLUMBUS, GA 31904 | AFLAC | $1K | $0 | $1K | 1.23% |
| SUE C TUCKER3 Filed as: SUE C. TUCKER | 9856 US HIGHWAY 29 NORTH CUSSETA, AL 36852 | AFLAC | $958 | $0 | $958 | 1.17% |
| ROBERT M BAKER3 Filed as: ROBERT M. BAKER | 2730 LYNDA LANE COLUMBUS, GA 31906 | AFLAC | $609 | $0 | $609 | 0.74% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY SE, SUITE 600 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| BRITTANY REYNOLDS3 | 5928 ROARING BRANCH ROAD COLUMBUS, GA 31902 | KEMPER BENEFITS | $4K | $0 | $4K | 43.58% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM AMOS | 7201 MOON ROAD, BUILDING 1 COLUMBUS, GA 31909 | KEMPER BENEFITS | $1K | $0 | $1K | 10.54% |
| MJ INSURANCE3 Filed as: ROBERT M. CURRY AND VARIOUS AGENTS | 1214 LEE ROAD 288 SMITHS STATION, AL 36877 | AFLAC | $289 | $4 | $293 | 5.60% |
| BRITTANY REYNOLDS3 Filed as: BRITTANY D. REYNOLDS | 5928 ROARING BRANCH ROAD COLUMBUS, GA 31902 | AFLAC | $147 | $22 | $169 | 3.23% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H. REYNOLDS | 5928 ROARING BRANCH ROAD COLUMBUS, GA 31904 | AFLAC | $92 | $0 | $92 | 1.76% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | AFLAC | $84 | $4 | $88 | 1.68% |
| VC SMITH LLC3 | 1352 HARVARD ROAD NE ATLANTA, GA 30306 | AFLAC | $60 | $0 | $60 | 1.15% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM T. NOBLES | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $56 | $0 | $56 | 1.07% |
| GRADY LEE3 Filed as: GRADY DUNBAR LEE | 1201 FRONT AVENUE, UNIT 206 COLUMBUS, GA 31901 | AFLAC | $42 | $0 | $42 | 0.80% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H. REYNOLDS | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | $0 | $123 | 4.17% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 1.19% |
| MJ INSURANCE3 Filed as: STEPHANIE PRUETT AND VARIOUS AGENTS | 630 EAST 57TH STREET SAVANNAH, GA 31405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.85% |
| CORRINE LECLERCQ3 Filed as: CORRINE L. LECLERCQ | 7009 EAST ACOMA DRIVE, UNIT 1094 SCOTTSDALE, AZ 85284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.64% |
| VC SMITH LLC3 | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15 | $0 | $15 | 0.51% |
| SUE C TUCKER3 Filed as: SUE C. TUCKER | 9856 US HIGHWAY 29 NORTH CUSSETA, AL 36852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.37% |
| ROBERT M BAKER3 Filed as: ROBERT M. BAKER | 1940 SPRINGDALE DRIVE COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.31% |
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 | 261 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 147 | $54K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 268 | $86K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 100 | $90K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 268 | $76K |
| Other(4 contracts, 3 carriers) | AFLAC | 268 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.