| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1855 WEST STATE ROAD, SUITE 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $175 | $35K | 13.89% |
| LISA MCDANIEL3 | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $5K | $7 | $5K | 5.64% |
| BRITTANY REYNOLDS3 | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | AFLAC | $4K | $29 | $4K | 4.48% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM NOBLES | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $3K | $0 | $3K | 2.63% |
| RICHARD CARTER SR3 | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | AFLAC | $2K | $7 | $2K | 2.27% |
| MJ INSURANCE3 Filed as: CW MCDANIEL INC AND VARIOUS AGENTS | PO BOX 5567 COLUMBUS, GA 31906 | AFLAC | $2K | $0 | $2K | 1.89% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE REYNOLDS III | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | AFLAC | $849 | $0 | $849 | 0.87% |
| SUE TUCKER3 | 9856 US HIGHWAY 29 N CUSSETA, AL 36852 | AFLAC | $501 | $0 | $501 | 0.52% |
| MJ INSURANCE3 Filed as: CANDACE JACKSON AND VARIOUS AGENTS | 932 JOHN CARTER ROAD BLOOMINGDALE, GA 31302 | AFLAC | $275 | $0 | $275 | 0.28% |
| ROBERT M BAKER3 Filed as: ROBERT BAKER | 2730 LYNDA LANE COLUMBUS, GA 31906 | AFLAC | $83 | $0 | $83 | 0.09% |
| V C SMITH LLC3 | 1352 HARVARD ROAD NE ATLANTA, GA 30306 | AFLAC | $76 | $0 | $76 | 0.08% |
| BRITTANY REYNOLDS3 | 5928 ROARING BRANCH ROAD COLUMBUS, GA 31902 | KEMPER BENEFITS | $472 | $0 | $472 | 7.78% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM AMOS | 7201 MOON ROAD, BUILDING 1 COLUMBUS, GA 31909 | KEMPER BENEFITS | $94 | $0 | $94 | 1.55% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE REYNOLDS III | 5928 ROARING BRANCH ROAD COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | $0 | $61 | 4.61% |
| RICHARD CARTER SR3 | 900 OAKCREST DRIVE, SUITE A COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 1.21% |
| CORINNE LECLERCQ3 | 7009 EAST ACOMA DRIVE, SUITE 1094 SCOTTSDALE, AZ 85254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.76% |
| MJ INSURANCE3 Filed as: TERESA CHRISTMAN AND VARIOUS AGENTS | 7718 CRYSTAL COVE POINT MAINEVILLE, OH 45039 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.68% |
| V C SMITH LLC3 Filed as: V.C. SMITH, LLC | 6420 FALL BRANCH DRIVE COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.61% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM AMOS III | 6801 RIVER ROAD, SUITE 205 COLUMBUS, GA 31904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.61% |
| STEPHANIE PRUETT3 | 630 EAST 57TH STREET SAVANNAH, GA 31405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | $0 | $4 | 0.30% |
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 | 332 | 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) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $249K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $249K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $255K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 191 | $98K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $249K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 385 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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.