| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM STREET 200 GREENSBORO, NC 27455 | CIGNA HEALTH AND LIFE INSURANCE | $12K | $126K | $138K | 5.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM STREET 200 GREENSBORO, NC 27455 | AMERICAN UNITED LIFE INSURANCE COMPANY | $36K | $14K | $50K | 22.36% |
| DOUGLAS H CRAWFORD JR3 | 5188 KENDALL COURT COLUMBUS, GA 31907 | AFLAC | $7K | $887 | $8K | 7.57% |
| DESHANTA R NIXON3 | 15 PLANTERS DRIVE CARTERSVILLE, GA 30120 | AFLAC | $5K | $850 | $6K | 5.54% |
| VARIOUS UNDER 503 | 2600 CROSS COUNTRY DRIVE COLUMBUS, GA 31906 | AFLAC | $3K | $447 | $4K | 3.43% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 1224 PEACOCK AVE COLUMBUS, GA 31906 | AFLAC | $2K | $414 | $3K | 2.61% |
| SANDRA MATHIS3 | 485 SPRING LAKE DRIVE FORTSON, GA 31808 | AFLAC | $447 | — | $447 | 0.43% |
| JOHN E CARTER III3 Filed as: JOHN E CARTER | 313 TROOP DRIVE FORTSON, GA 31808 | AFLAC | $142 | — | $142 | 0.14% |
| JAMES HOLMAN3 | 100 SUMMER PLACE DRIVE HAMILTON, GA 31811 | AFLAC | $141 | — | $141 | 0.13% |
| BRENT LEE EDENFIELD3 | PO BOX 951 PINE MOUNTAIN, GA 31822 | AFLAC | $105 | — | $105 | 0.10% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM AMOS & CO | 7100 STILLWATER DRIVE 6801 RIVER ROAD COLUMBUS, GA 31904 | AFLAC | $79 | — | $79 | 0.08% |
| DAMIRIS DAVILA3 | 3 LIBBY CT COLUMBUS, GA 31909 | AFLAC | $77 | — | $77 | 0.07% |
| ROBERT M BAKER3 Filed as: ROBERT BAKER | 2730 LYNDA LANE COLUMBUS, GA 31906 | AFLAC | $57 | — | $57 | 0.05% |
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 | 502 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 338 | $2.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE | 338 | $2.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE | 338 | $2.6M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 502 | $224K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 502 | $224K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 502 | $224K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 502 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.