| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $5K | $40K | 15.48% |
| LISA MCDANIEL3 Filed as: LISA F. MCDANIEL | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $11K | $239 | $11K | 10.95% |
| BRITTANY REYNOLDS3 Filed as: BRITTANY D. REYNOLDS | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | AFLAC | $6K | $218 | $6K | 6.32% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM T. NOBLES | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $6K | $90 | $6K | 6.19% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR. | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | AFLAC | $3K | $105 | $4K | 3.58% |
| MJ INSURANCE3 Filed as: CW MCDANIEL AND VARIOUS AGENTS | PO BOX 5567 COLUMBUS, GA 31906 | AFLAC | $2K | $0 | $2K | 1.49% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H. REYNOLDS III | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | AFLAC | $592 | $0 | $592 | 0.59% |
| SUE C TUCKER3 Filed as: SUE C. TUCKER | 9856 US HIGHWAY 29 N CUSSETA, AL 36852 | AFLAC | $422 | $0 | $422 | 0.42% |
| LISA MCDANIEL3 Filed as: LISA F. MCDANIEL | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $617 | $0 | $617 | 10.00% |
| BRITTANY REYNOLDS3 Filed as: BRITTANY D. REYNOLDS | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | AFLAC | $267 | $0 | $267 | 4.33% |
| MJ INSURANCE3 Filed as: CANDACE JACKSON AND VARIOUS AGENTS | 932 JOHN CARTER ROAD BLOOMINGDALE, GA 31302 | AFLAC | $227 | $0 | $227 | 3.68% |
| RICHARD CARTER SR3 Filed as: RICHARD K. CARTER SR. | 1224 PEACOCK AVENUE, SUITE 205 COLUMBUS, GA 31906 | AFLAC | $178 | $0 | $178 | 2.88% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM T. NOBLES | 5010 HAWKS RIDGE DRIVE COLUMBUS, GA 31904 | AFLAC | $110 | $0 | $110 | 1.78% |
| GEORGE H REYNOLDS III3 Filed as: GEORGE H. REYNOLDS III | 6724 GREEN ISLAND DRIVE COLUMBUS, GA 31904 | AFLAC | $104 | $0 | $104 | 1.69% |
| ROBERT M BAKER3 Filed as: ROBERT BAKER | 2730 LYNDA LANE COLUMBUS, GA 31906 | AFLAC | $72 | $0 | $72 | 1.17% |
| BRITTANY REYNOLDS3 | 5928 ROARING BRANCH ROAD COLUMBUS, GA 31902 | RESERVE NATIONAL INSURANCE COMPANY | $69 | — | $69 | 2.98% |
| WILLIAM L AMOS III3 Filed as: WILLIAM TRIPP AMOS | 7201 MOON ROAD COLUMBUS, GA 31909 | RESERVE NATIONAL INSURANCE COMPANY | $46 | — | $46 | 1.99% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 443 | $260K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 443 | $260K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 443 | $262K |
| Short-term disability(2 contracts) | AFLAC | 137 | $107K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 443 | $260K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 443 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.