| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES, INC | PO BOX 27149 CHARLOTTE, NC 28226 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $44K | — | $44K | 1.90% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICES | 3605 GLENWOOD AVE RALEIGH, NC 27612 | DELTA DENTAL OF MISSOURI | $8K | $0 | $8K | 5.50% |
| BB&T INSURANCE SERVICES, INC.4 Filed as: BB&T INSURANCE SERVICES | 414 GALLIMORE DAIRY RD GREENSBORO, NC 27409 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 15.00% |
| BB&T INSURANCE SERVICES, INC.4 Filed as: BB&T INSURANCE SERVICES INC | 3605 GLENWOOD AVE STE 201 RALEIGH, NC 27162 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 3.34% |
| BB&T - BOYLE VAUGHAN3 | PO BOX 8628 COLUMBIA, SC 29202 | UNION SECURITY INSURANCE COMPANY | $9K | — | $9K | 21.98% |
| MUNCIE ALAN RUSSELL3 | 1829 SENATE ST APT 8D COLUMBIA, SC 29201 | AFLAC | $837 | $0 | $837 | 4.28% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JON DAYTON WILLIS JR | 2528 FERNLEAF CT NW ATLANTA, GA 30318 | AFLAC | $532 | $0 | $532 | 2.72% |
| PAULA J FAMBROUGH3 Filed as: PAULA FAMBROUGH | 325 SPEARS CREEK CHURCH RD APT 211 ELGIN, SC 29045 | AFLAC | $150 | $0 | $150 | 0.77% |
| DAVID J ROTH3 | 800 ROCKMEAD DR STE 208 KINGWOOD, TX 77339 | AFLAC | $76 | $62 | $138 | 0.71% |
| RYAN HINES3 | 3675 MILITARY ROAD ARLINGTON, VA 22207 | AFLAC | $113 | $0 | $113 | 0.58% |
| TERRANCE M LUCZAJ3 | 1201 MAIN ST, STE 2300 COLUMBIA, SC 29201 | AFLAC | $112 | $0 | $112 | 0.57% |
| WILLIS TOWERS WATSON US LLC3 Filed as: ASHLEY WILLIS | 213 W PINE GROVE AVE NORTH AUGUSTA, SC 29841 | AFLAC | $89 | $0 | $89 | 0.45% |
| DAVID R MORRISON3 | 902 W POPLAR RD STERLING, VA 20164 | AFLAC | $69 | $0 | $69 | 0.35% |
| JOHN B COLLINS3 | 311 PEBBLE HOLLOW DR MILLEDGEVILLE, GA 31061 | AFLAC | $55 | — | $55 | 0.28% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE INC | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $45 | $0 | $45 | 0.23% |
| CHARLES F GREER3 | 1650 SAND LAKE RD, STE 201D ORLANDO, FL 32809 | AFLAC | $39 | $0 | $39 | 0.20% |
| DANNY TRAN3 | 3150 PERIMETER PKWY, STE 115 AUGUSTA, GA 30909 | AFLAC | $37 | $0 | $37 | 0.19% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $34 | $0 | $34 | 0.17% |
| HEYWARD RICHARDSON JR3 | 140 WILDEWOOD PARK DR STE 108 COLUMBIA, SC 29223 | AFLAC | $32 | $0 | $32 | 0.16% |
| JOHN D TYLER3 | 18632 WOLFE CREEK DR EDMOND, OK 73012 | AFLAC | $31 | $0 | $31 | 0.16% |
| CHARLES E MCDANIEL II3 Filed as: CHARLES W MCDANIEL | 1224 PEACOCK AVE, SUITE 205A COLUMBUS, GA 31906 | AFLAC | $30 | $0 | $30 | 0.15% |
| RICHARD SMITHSON3 | 449 TIMBER PL MILTON, GA 31906 | AFLAC | $28 | $0 | $28 | 0.14% |
| KERRY C EZZELL3 | PO BOX 15074 AUGUSTA, GA 30919 | AFLAC | $27 | $0 | $27 | 0.14% |
| LESTER D PARK3 | 203 CLEARMEADOW DR COLUMBIA, SC 29229 | AFLAC | $21 | $0 | $21 | 0.11% |
| PETE E KHALAF3 | 13005 CARNEY ST SILVER SPRING, MD 20906 | AFLAC | $21 | $0 | $21 | 0.11% |
| JOHN C KAUTTER3 | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $21 | $0 | $21 | 0.11% |
| TARRAH SMITHSON3 Filed as: TARRAH L SMITHSON | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $19 | $0 | $19 | 0.10% |
| KIMMON R GUSEMAN3 | 48 NICKMAN PLZ LEMONT FURNANCE, PA 15456 | AFLAC | $16 | $0 | $16 | 0.08% |
| RICHARD CARTER SR3 Filed as: RICHARD K CARTER SR | 1224 PEACOCK AVE, SUITE 205 COLUMBUS, GA 31906 | AFLAC | $15 | $0 | $15 | 0.08% |
| JOHN A DONALDSON3 | 507 SAM HOUSTON PKWY E STE 450 HOUSTON, TX 77060 | AFLAC | $2 | $10 | $12 | 0.06% |
| LYNETTE KAY DUTTON3 | 131 COUNTRYSIDE DRIVE FOREST CITY, NC 28043 | AFLAC | $11 | $0 | $11 | 0.06% |
| DAYTON LLC3 | 324 OLD WOOD DR COLUMBIA, SC 29212 | AFLAC | $11 | $0 | $11 | 0.06% |
| DANIEL FITZGERALD INC3 | 3672 BAY PT AUGUSTA, GA 30907 | AFLAC | $10 | $0 | $10 | 0.05% |
| JOHN A DONALDSON3 | 25211 GROGANS MILL RD STE 305 THE WOODLANDS, TX 77380 | AFLAC | $10 | $0 | $10 | 0.05% |
| GARY W JOHNSON3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $8 | $0 | $8 | 0.04% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $7 | $0 | $7 | 0.04% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $6 | $0 | $6 | 0.03% |
| RYAN HINES3 | 4114 21ST RD N ARLINGTON, VA 22207 | AFLAC | $6 | $0 | $6 | 0.03% |
| KEVIN R MCFADDEN3 | 1820 W CANNING DR MT PLEASANT, SC 29466 | AFLAC | $4 | $0 | $4 | 0.02% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON RD, 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $3 | $0 | $3 | 0.02% |
| CHARLES F GREER3 | 9537 PECKY CYPRESS WAY ORLANDO, FL 32836 | AFLAC | $3 | — | $3 | 0.02% |
| JASON D ELLIS3 | 203 MARKET ST STE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $3 | $0 | $3 | 0.02% |
| MICHAEL EDWARD RISKA3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $3 | $0 | $3 | 0.02% |
| STEVEN VORDERLANDWEHR3 Filed as: STEVEN VONDERLANDWEHR | 1599 AMHEARST MILL DR LAWRENCEVILLE, GA 30043 | AFLAC | $2 | — | $2 | 0.01% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $2 | $0 | $2 | 0.01% |
| DEBORAH B SMITH | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $2 | — | $2 | 0.01% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PKWY BLDG 300 STE 350 NORCROSS, GA 30093 | AFLAC | $1 | $0 | $1 | 0.01% |
| DEBORAH B SMITH3 | 4720 TWIN OAKS DR NW KENNESAW, GA 30152 | AFLAC | $1 | $0 | $1 | 0.01% |
| THOMAS M DAYTON3 | 324 OLD WOOD DR COLUMBIA, SC 20212 | AFLAC | $1 | $0 | $1 | 0.01% |
| DUSTIN ROBERT JOHNSON3 | 50 HURT PLZ SE STE 995 ATLANTA, GA 30303 | AFLAC | $1 | $0 | $1 | 0.01% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $1 | $0 | $1 | 0.01% |
| C R RAMSEY POTTS3 | PO BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $1 | $0 | $1 | 0.01% |
| SUSAN REDDOCH BUFFINGTON3 | 400 TAX RD SHILOH, GA 31826 | AFLAC | $1 | $0 | $1 | 0.01% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $1 | $0 | $1 | 0.01% |
| LEE RYAN MCGRAW3 | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $1 | $0 | $1 | 0.01% |
| DIVYA JAIN3 | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $1 | $0 | $1 | 0.01% |
| DEBORAH B SMITH | 4720 TWIN OAKS DR NW KENNESAW, GA 30152 | AFLAC | $1 | — | $1 | 0.01% |
| JEREMY A FELDMAN3 | 15324 SWEETBAY ST WOODBINE, MD 21797 | AFLAC | $0 | $0 | $0 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DR 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 | 0.00% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $0 | $0 | $0 | 0.00% |
| STEVEN VORDERLANDWEHR Filed as: STEVEN VONDERLANDWEHR | 1242 HADAWAY TRL LAWRENCEVILLE, GA 30043 | AFLAC | $0 | — | $0 | 0.00% |
| THE BENEFIT COMPANY INC3 Filed as: BENEFIT COMPANY INC | PO BOX 211486 COLUMBIA, SC 29221 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 1.18% |
| TIMOTHY M COLTON3 | 2849 FOREST WOOD DR MARIETTA, GA 30066 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 1.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.66% |
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 | 244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 224 | $2.3M |
| Dental | DELTA DENTAL OF MISSOURI | 416 | $147K |
| Vision | UNION SECURITY INSURANCE COMPANY | 222 | $41K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 244 | $164K |
| Short-term disability | AFLAC | 30 | $20K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 244 | $142K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 244 | $203K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.