| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3625 NORTH ELM STREET, SUITE 200 GREENSBORO, NC 27455 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $23K | $0 | $23K | 4.11% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 11330 LAKEFIELD DRIVE, SUITE 100 JOHNS CREEK, GA 30097 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 300 WEST 10TH STREET WEST POINT, GA 31833 | AFLAC | $2K | $0 | $2K | 17.34% |
| FRANK R GRIFFIN JR3 Filed as: FRANK R. GRIFFIN JR. (CHIP) | 8601 GARRETT ROAD MIDLAND, GA 31820 | AFLAC | $1K | $0 | $1K | 10.60% |
| SUSAN A SITZ3 Filed as: SUSAN A. SITZ | 50 AVIATOR PLAZA, SUITE 105C SAINT SIMONS ISLAND, GA 31522 | AFLAC | $999 | $0 | $999 | 8.69% |
| AMY GREEN3 Filed as: AMY F. GREEN | 606 EAST 45TH STREET SAVANNAH, GA 31405 | AFLAC | $763 | $0 | $763 | 6.64% |
| MJ INSURANCE3 Filed as: MELISSA RHODES AND VARIOUS AGENTS | 306 ROLLINGWOOD DRIVE NEWPORT, NC 25870 | AFLAC | $506 | $0 | $506 | 4.40% |
| LOU ANN WARD3 | 109 VILLA ROAD BRUNSWICK, GA 31525 | AFLAC | $253 | $0 | $253 | 2.20% |
| JOHN E CARTER III3 Filed as: JOHN E. CARTER III | 313 TROOP DRIVE FORTSON, GA 31808 | AFLAC | $231 | $0 | $231 | 2.01% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 194 | $564K |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 194 | $564K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 194 | $564K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 134 | $138K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 134 | $127K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 134 | $127K |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 194 | $564K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 134 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.