| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $36K | $731 | $36K | 5.58% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | GREATER GEORGIA LIFE INSURANCE COMPANY | $8K | $825 | $8K | 16.62% |
| CHRISTINE P. MCMAHON3 | 2923 MAYFAIR ROAD AUGUSTA, GA 30909 | AFLAC | $1K | $0 | $1K | 5.38% |
| DANNY TRAN3 | 3633 WHEELER ROAD, SUITE 240 AUGUSTA, GA 30909 | AFLAC | $262 | $0 | $262 | 1.09% |
| MJ INSURANCE3 Filed as: R. A. SMITHSON & VARIOUS AGENTS | 2145 SAULS PLACE ALPHARETTA, GA 30004 | AFLAC | $255 | $0 | $255 | 1.06% |
| DANIEL FITZGERALD INC3 Filed as: DANIEL FITZGERALD INC. | 3672 BAY POINT AUGUSTA, GA 30907 | AFLAC | $161 | $0 | $161 | 0.67% |
| CHARLES E. BROWDER3 | 2003 BONNIE BROOK DRIVE NORTH AUGUSTA, SC 29860 | AFLAC | $99 | $0 | $99 | 0.41% |
| ROBERT D. COMMONS3 | 3050 SERENADE COURT ALPHARETTA, GA 30004 | AFLAC | $91 | $0 | $91 | 0.38% |
| ALAN C SMITH3 Filed as: ALAN C. SMITH | 401 AVRETT WAY EVANS, GA 30809 | AFLAC | $89 | $0 | $89 | 0.37% |
| CHRISTINE P. MCMAHON3 | 2923 MAYFAIR ROAD AUGUSTA, GA 30909 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 3.50% |
| ROBERT D. COMMONS3 Filed as: ROBERT DAVID COMMONS III | 3050 SERENADE COURT ALPHARETTA, GA 30004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | $0 | $41 | 3.19% |
| RICHARD SMITHSON3 Filed as: RICHARD ALLEN SMITHSON | 449 TIMBER PLACE MILTON, GA 30004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 1.48% |
| SCOTT A SMITH3 Filed as: SCOTT A. SMITH | 5300 OAKBROOK PARKWAY, SUITE 350 NORCROSS, GA 30093 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.86% |
| TARRA SMITHSON3 | 410 BAROQUE DRIVE ALPHARETTA, GA 30009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | $0 | $10 | 0.78% |
| JAMES D DUDLEY3 Filed as: JAMES DAVID DUDLEY | 3061 EDGEWOOD COURT COLUMBUS, GA 31907 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.16% |
| MJ INSURANCE3 Filed as: LEE RYAN MCGRAW AND VARIOUS AGENTS | 1170 MANN ROAD DOUGLASVILLE, GA 30134 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.16% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 188 | $653K |
| Dental | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 188 | $653K |
| Vision | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 188 | $653K |
| Life insurance | GREATER GEORGIA LIFE INSURANCE COMPANY | 119 | $51K |
| Short-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 119 | $51K |
| Long-term disability | GREATER GEORGIA LIFE INSURANCE COMPANY | 119 | $51K |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 188 | $653K |
| Other(3 contracts, 3 carriers) | GREATER GEORGIA LIFE INSURANCE COMPANY | 119 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.