| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744831 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE | $15K | $137K | $152K | 5.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 3625 N ELM STREET 200 GREENSBORO, NC 27455 | AMERICAN UNITED LIFE INSURANCE COMPANY | $38K | $2K | $40K | 16.66% |
| DOUGLAS H CRAWFORD JR3 | 5188 KENDALL COURT COLUMBUS, GA 31907 | AFLAC | $10K | $249 | $10K | 9.86% |
| DESHANTA R NIXON3 | 15 PLANTERS DRIVE CARTERSVILLE, GA 30120 | AFLAC | $2K | $127 | $3K | 2.49% |
| RICHARD CARTER SR3 Filed as: RICHARD CARTER | 1224 PEACOCK AVE COLUMBUS, GA 31906 | AFLAC | $2K | $88 | $2K | 2.27% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 1224 PEACOCK AVE COLUMBUS, GA 31906 | AFLAC | $1K | $84 | $1K | 1.36% |
| VARIOUS UNDER 503 | 2600 CROSS COUNTRY DRIVE COLUMBUS, GA 31906 | AFLAC | $767 | — | $767 | 0.75% |
| MATHIS BENEFIT SERVICES LLC3 | 7310 NORTH LAKE DRIVE COLUMBUS, GA 31909 | AFLAC | $422 | — | $422 | 0.41% |
| JOHN E CARTER III3 Filed as: JOHN CARTER III | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $142 | — | $142 | 0.14% |
| JAMES HOLMAN3 | 100 SUMMER PLACE DRIVE HAMILTON, GA 31811 | AFLAC | $118 | — | $118 | 0.11% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM AMOS & CO | 7100 STILLWATER DRIVE 6801 RIVER ROAD COLUMBUS, GA 31904 | AFLAC | $82 | — | $82 | 0.08% |
| KATHY B MOBLEY3 Filed as: KATHY BAKER | 173 WAVERLY CIRCLE WAVERLY HALL, GA 31831 | AFLAC | $63 | — | $63 | 0.06% |
| DAMIRIS DAVILA3 | 1014 E PONCE DE LEON BLVD CORAL GABLES, FL 33134 | AFLAC | $51 | — | $51 | 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 | 581 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 581 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 423 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE | 423 | $2.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE | 423 | $2.9M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 581 | $240K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 581 | $240K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 581 | $240K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 581 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 581 | — |
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.