| 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% |
| BRITTANY REYNOLDS3 | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | AFLAC | $4K | $20 | $4K | 4.77% |
| LISA MCDANIEL3 | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $3K | $5 | $3K | 3.79% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM NOBLES | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $3K | $0 | $3K | 3.66% |
| MJ INSURANCE3 Filed as: SUE TUCKER AND VARIOUS AGENTS | 9856 US HIGHWAY 29 N CUSSETA, AL 36852 | AFLAC | $2K | $0 | $2K | 2.61% |
| RICHARD CARTER SR3 Filed as: RICHARD CARTER | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | AFLAC | $2K | $5 | $2K | 2.28% |
| GEORGE REYNOLDS3 | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | AFLAC | $704 | $0 | $704 | 0.93% |
| CW MCDANIEL INC3 | PO BOX 5567 COLUMBUS, GA 31906 | AFLAC | $539 | $0 | $539 | 0.71% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 3.22% |
| MJ INSURANCE3 Filed as: CW MCDANIEL INC AND VARIOUS AGENTS | PO BOX 5567 COLUMBUS, GA 31906 | AFLAC | $514 | $0 | $514 | 5.40% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM NOBLES | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $211 | $0 | $211 | 2.22% |
| GEORGE REYNOLDS3 | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | AFLAC | $183 | $0 | $183 | 1.92% |
| RICHARD CARTER SR3 Filed as: RICHARD CARTER | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | AFLAC | $158 | $0 | $158 | 1.66% |
| BRITTANY REYNOLDS3 | 5928 ROARING BRANCH ROAD COLUMBUS, GA 31902 | AFLAC | $151 | $0 | $151 | 1.59% |
| ROBERT M BAKER3 Filed as: ROBERT BAKER | 2730 LYNDA LANE COLUMBUS, GA 31906 | AFLAC | $108 | $0 | $108 | 1.13% |
| LISA MCDANIEL3 | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $100 | $0 | $100 | 1.05% |
| BRITTANY REYNOLDS3 | 5928 ROARING BRANCH ROAD COLUMBUS, GA 31902 | KEMPER BENEFITS | $1K | $0 | $1K | 17.12% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM AMOS | 7201 MOON ROAD, BUILDING 1 COLUMBUS, GA 31909 | KEMPER BENEFITS | $134 | $0 | $134 | 1.63% |
| GEORGE REYNOLDS3 | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 7.98% |
| RICHARD CARTER SR3 Filed as: RICHARD CARTER | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 2.20% |
| CORINNE LECLERCQ3 | 7009 EAST ACOMA DRIVE, UNIT 1094 SCOTTSDALE, AZ 85284 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 1.24% |
| V C SMITH LLC3 | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 1.10% |
| MJ INSURANCE3 Filed as: ROBERT BAKER AND VARIOUS AGENTS | 1940 SPRINGDALE DRIVE COLUMBUS, GA 31906 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 0.69% |
| STEPHANIE PRUETT3 | 630 EAST 57TH STREET SAVANNAH, GA 31405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.55% |
| TERESA MARIE CHRISTMAN3 Filed as: TERESA CHRISTMAN | 5298 FREDERICKS STAND SOUTH LEBANON, OH 45065 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.41% |
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 | 168 | $75K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $98K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 133 | $86K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $89K |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 261 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.