| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY SE. SUITE 600 ATLANTA, GA 30339 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 15.00% |
| MJ INSURANCE3 Filed as: ROBERT BAKER AND VARIOUS AGENTS | 2730 LYNDA LANE COLUMBUS, GA 31906 | AFLAC | $2K | $26 | $2K | 2.88% |
| BRITTANY REYNOLDS3 | 5928 ROARING BRANCH ROAD COLUMBUS, OH 31902 | AFLAC | $2K | $194 | $2K | 2.73% |
| RICHARD CARTER SR3 Filed as: RICHARD CARTER | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | AFLAC | $1K | $51 | $1K | 1.65% |
| LISA MCDANIEL3 | 5010 HAWKS RIDGE DRIVE COLUMBUS, OH 31904 | AFLAC | $864 | $26 | $890 | 1.33% |
| GEORGE REYNOLDS3 | 5928 ROARING BRANCH ROAD COLUMBUS, OH 31902 | AFLAC | $824 | $0 | $824 | 1.23% |
| SUE TUCKER3 | 9856 US HIGHWAY 29 NORTH CUSSETA, AL 36852 | AFLAC | $660 | $26 | $686 | 1.02% |
| CW MCDANIEL INC3 | PO BOX 5567 COLUMBUS, OH 31906 | AFLAC | $527 | $0 | $527 | 0.79% |
| BRITTANY REYNOLDS3 | 5928 ROARING BRANCH ROAD COLUMBUS, OH 31902 | KEMPER BENEFITS | $292 | $0 | $292 | 3.96% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM AMOS | 7201 MOON ROAD, BUILDING 1 COLUMBUS, OH 11387 | KEMPER BENEFITS | $159 | $0 | $159 | 2.16% |
| MJ INSURANCE3 Filed as: CW MCDANIEL AND VARIOUS AGENTS | PO BOX 5567 COLUMBUS, OH 31906 | AFLAC | $339 | $0 | $339 | 5.31% |
| GEORGE REYNOLDS3 | 5928 ROARING BRANCH ROAD COLUMBUS, OH 31902 | AFLAC | $112 | $0 | $112 | 1.75% |
| RICHARD CARTER SR3 Filed as: RICHARD CARTER | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | AFLAC | $80 | $0 | $80 | 1.25% |
| V C SMITH LLC3 | 1352 HARVARD ROAD NE ATLANTA, GA 30306 | AFLAC | $62 | $0 | $62 | 0.97% |
| BRITTANY REYNOLDS3 | 5928 ROARING BRANCH ROAD COLUMBUS, OH 31902 | AFLAC | $48 | $0 | $48 | 0.75% |
| GRADY LEE3 | 1201 FRONT AVENUE, UNIT 206 COLUMBUS, GA 31901 | AFLAC | $48 | $0 | $48 | 0.75% |
| ROBERT CURRY3 | 1214 LEE ROAD 288 SMITHS STATION, AL 36877 | AFLAC | $48 | $0 | $48 | 0.75% |
| GEORGE REYNOLDS3 | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $134 | $0 | $134 | 4.63% |
| RICHARD CARTER SR3 Filed as: RICHARD CARTER | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | $0 | $38 | 1.31% |
| MJ INSURANCE3 Filed as: STEPHANIE PRUETT AND VARIOUS AGENTS | 630 EAST 57TH STREET SAVANNAH, GA 31405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | $0 | $23 | 0.79% |
| CORRINE LECLERCQ3 | 7009 EAST ACOMA DRIVE, UNIT 1094 SCOTTSDALE, AZ 85284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | $0 | $21 | 0.73% |
| V C SMITH LLC3 | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | $0 | $17 | 0.59% |
| SUE TUCKER3 | 9856 US HIGHWAY 29 NORTH CUSSETA, AL 36852 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.28% |
| ROBERT M BAKER3 Filed as: ROBERT BAKER | 1940 SPRINGDALE DRIVE COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.28% |
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 | 266 | 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) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $67K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 242 | $91K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 120 | $76K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 242 | $83K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 242 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.