| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVE RALEIGH, NC 27612 | DELTA DENTAL OF MISSOURI | $9K | $0 | $9K | 4.29% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $4K | $20K | 18.73% |
| UNITED OF OMAHA LIFE INSURANCE CO3 Filed as: UNITED OF OMAHA LIFE INSURANCE COMP | 3300 MUTUAL OF OMAHA PLACE OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 4.62% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVE, STE 201 RALEIGH, NC 27612 | VISION SERVICE PLAN | $1K | — | $1K | 4.72% |
| MUNCIE ALAN RUSSELL3 | 1829 SENATE ST APT 8D COLUMBIA, SC 29201 | AFLAC | $1K | $82 | $1K | 5.62% |
| DAVID J ROTH3 | 800 ROCKMEAD DR STE 208 KINGWOOD, TX 77339 | AFLAC | $987 | $0 | $987 | 4.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JON DAYTON WILLIS JR | 1338 EBERHART AVE COLUMBUS, GA 31906 | AFLAC | $656 | $29 | $685 | 2.86% |
| RYAN HINES3 | 3675 MILITARY ROAD ARLINGTON, VA 22207 | AFLAC | $225 | $7 | $232 | 0.97% |
| PAULA J FAMBROUGH3 Filed as: PAULA FAMBROUGH | 325 SPEARS CREEK CHURCH RD APT 211 ELGIN, SC 29045 | AFLAC | $189 | $16 | $205 | 0.86% |
| TERRANCE M LUCZAJ3 | 1201 MAIN ST, STE 2300 COLUMBIA, SC 29201 | AFLAC | $183 | $16 | $199 | 0.83% |
| DAVID R MORRISON3 | 902 W POPLAR RD STERLING, VA 20164 | AFLAC | $91 | — | $91 | 0.38% |
| WILLIS TOWERS WATSON US LLC3 Filed as: ASHLEY WILLIS | 213 W PINE GROVE AVE NORTH AUGUSTA, SC 29841 | AFLAC | $87 | $0 | $87 | 0.36% |
| JOHN A DONALDSON3 | 800 ROCKMEAD DR STE 208 KINGWOOD, TX 77339 | AFLAC | $86 | — | $86 | 0.36% |
| JOHN B COLLINS3 | 311 PEBBLE HOLLOW DR MILLEDGEVILLE, GA 31061 | AFLAC | $62 | — | $62 | 0.26% |
| CHARLES F GREER3 | 2888 ALOMA LAKE RUN OVIEDO, FL 32765 | AFLAC | $51 | — | $51 | 0.21% |
| DANNY TRAN3 | 3150 PERIMETER PKWY, STE 115 AUGUSTA, GA 30909 | AFLAC | $50 | — | $50 | 0.21% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE INC | 10400 EATON PL, STE 400 FAIRFAX, VA 22030 | AFLAC | $50 | — | $50 | 0.21% |
| CHARLES E MCDANIEL II3 Filed as: CHARLES W MCDANIEL | 1224 PEACOCK AVE, SUITE 205A COLUMBUS, GA 31906 | AFLAC | $37 | $6 | $43 | 0.18% |
| PETE E KHALAF3 | 13005 CARNEY ST SILVER SPRING, MD 20906 | AFLAC | $38 | $4 | $42 | 0.18% |
| JOHN D TYLER3 | 130 DUCK HAWK WAY MARIETTA, SC 29661 | AFLAC | $40 | — | $40 | 0.17% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $38 | — | $38 | 0.16% |
| RICHARD SMITHSON3 | 449 TIMBER PL MILTON, GA 31906 | AFLAC | $38 | — | $38 | 0.16% |
| HEYWARD RICHARDSON JR3 | 161 PONTIAC BUSINESS CTR DR STE1020 ELGIN, SC 29045 | AFLAC | $38 | — | $38 | 0.16% |
| JOHN C KAUTTER3 Filed as: JOHN KAUTTER | 11821 PARKLAWN DR, STE 125 ROCKVILLE, MD 20852 | AFLAC | $37 | $1 | $38 | 0.16% |
| JOHN A DONALDSON3 | 507 SAM HOUSTON PKWY E STE 450 HOUSTON, TX 77060 | AFLAC | $34 | — | $34 | 0.14% |
| LESTER D PARK3 | 203 CLEARMEADOW DR COLUMBIA, SC 29229 | AFLAC | $33 | — | $33 | 0.14% |
| RYAN HINES3 | 3675 MILITARY ROAD ARLINGTON, VA 22207 | AFLAC | $19 | $13 | $32 | 0.13% |
| KERRY C EZZELL3 | PO BOX 15074 AUGUSTA, GA 30919 | AFLAC | $29 | — | $29 | 0.12% |
| RICHARD CARTER SR3 Filed as: RICHARD K CARTER SR | 1224 PEACOCK AVE, SUITE 205 COLUMBUS, GA 31906 | AFLAC | $21 | $6 | $27 | 0.11% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $26 | — | $26 | 0.11% |
| KIMMON R GUSEMAN3 | 48 NICKMAN PLZ LEMONT FURNANCE, PA 15456 | AFLAC | $18 | — | $18 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: ASHLEY WILLIS | 126 VILLAGE PKWY NORTH AUGUSTA, GA 29841 | AFLAC | $14 | — | $14 | 0.06% |
| LYNETTE KAY DUTTON3 | 131 COUNTRYSIDE DRIVE FOREST CITY, NC 28043 | AFLAC | $12 | — | $12 | 0.05% |
| JOHN C KAUTTER3 | 11821 PARKLAWN DR, STE 125 ROCKVILLE, MD 20852 | AFLAC | $9 | $3 | $12 | 0.05% |
| DANIEL FITZGERALD INC3 | 3672 BAY PT AUGUSTA, GA 30907 | AFLAC | $11 | — | $11 | 0.05% |
| RAYMOND L CHAN3 | 10400 EATON PL, STE 400 FAIRFAX, VA 22030 | AFLAC | $11 | — | $11 | 0.05% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $9 | — | $9 | 0.04% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $8 | — | $8 | 0.03% |
| CHARLES F GREER3 | 1650 SAND LAKE RD, STE 201D ORLANDO, FL 32809 | AFLAC | $4 | — | $4 | 0.02% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON RD, 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $3 | — | $3 | 0.01% |
| DAYTON LLC3 | 324 OLD WOOD DR COLUMBIA, SC 29212 | AFLAC | $2 | — | $2 | 0.01% |
| JOHN C KAUTTER3 | 11700 OLD GEORGETOWN RD, UNIT 507 ROCKVILLE, MD 20852 | AFLAC | $2 | $0 | $2 | 0.01% |
| GARY W JOHNSON3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $2 | — | $2 | 0.01% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $1 | — | $1 | 0.00% |
| CHARLES E MCDANIEL II3 Filed as: CHARLES W MCDANIEL | 1224 PEACOCK AVE, SUITE 205A COLUMBUS, GA 31906 | AFLAC | $1 | — | $1 | 0.00% |
| DEBORAH B SMITH3 | 4720 TWIN OAKS DR NW KENNESAW, GA 30152 | AFLAC | $1 | — | $1 | 0.00% |
| JASON D ELLIS3 | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | $0 | $1 | 0.00% |
| MICHAEL EDWARD RISKA3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $1 | — | $1 | 0.00% |
| KEVIN R MCFADDEN3 | 2612 LOHR DR MT PLEASANT, SC 29466 | AFLAC | $0 | — | $0 | 0.00% |
| STEVEN VORDERLANDWEHR3 Filed as: STEVEN VONDERLANDWEHR | 1242 HADAWAY TRL LAWRENCEVILLE, GA 30043 | AFLAC | $0 | — | $0 | 0.00% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $0 | — | $0 | 0.00% |
| THOMAS M DAYTON3 | 324 OLD WOOD DR COLUMBIA, SC 20212 | AFLAC | $0 | — | $0 | 0.00% |
| DUSTIN ROBERT JOHNSON3 | 50 HURT PLZ SE STE 995 ATLANTA, GA 30303 | AFLAC | $0 | $0 | $0 | 0.00% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $0 | — | $0 | 0.00% |
| C R RAMSEY POTTS3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $0 | — | $0 | 0.00% |
| SUSAN REDDOCH BUFFINGTON3 | 400 TAX RD SHILOH, GA 31826 | AFLAC | $0 | — | $0 | 0.00% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $0 | — | $0 | 0.00% |
| LEE RYAN MCGRAW3 | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $0 | — | $0 | 0.00% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $0 | — | $0 | 0.00% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $0 | — | $0 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 1839 YGNACIO VALLEY RD, SUITE 393 WALNUT CREEK, CA 94598 | AFLAC | $0 | $0 | $0 | 0.00% |
| CHRISTIE MARZARI3 Filed as: CHRISTIE M MARZARI | 1932 WYNNTON RD COLUMBUS, GA 31999 | AFLAC | $0 | — | $0 | 0.00% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $0 | — | $0 | 0.00% |
| TIMOTHY M COLTON3 | 2849 FOREST WOOD DR MARIETTA, GA 30066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 1.21% |
| THE BENEFIT COMPANY INC Filed as: BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 29221 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 1.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.74% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 421 | $198K |
| Vision | VISION SERVICE PLAN | 184 | $29K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $132K |
| Short-term disability | AFLAC | 34 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $105K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 243 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.