| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 744831 ATLANTA, GA 30374 | CIGNA HEALTH AND LIFE INSURANCE | — | $146K | $146K | 5.00% |
| DOUGLAS H CRAWFORD JR3 | 5188 KENDALL COURT COLUMBUS, GA 31907 | AFLAC | $7K | $177 | $7K | 5.29% |
| WHITLEY M CRAWFORD3 | 5188 KENDAL CT COLUMBUS, GA 31907 | AFLAC | $4K | $344 | $4K | 3.05% |
| RICHARD CARTER SR3 | 1224 PEACOCK AVE COLUMBUS, GA 31906 | AFLAC | $3K | $142 | $3K | 2.25% |
| DOUGLAS CRAWFORD JR3 Filed as: DOUGLAS H CRAWFORD III | 7799 KOLVEN CV COLUMBUS, GA 31909 | AFLAC | $2K | — | $2K | 1.58% |
| DESHANTA R NIXON3 | 15 PLANTERS DRIVE CARTERSVILLE, GA 30120 | AFLAC | $2K | — | $2K | 1.56% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS SUCHECKI | 1224 PEACOCK AVE COLUMBUS, GA 31906 | AFLAC | $1K | — | $1K | 0.84% |
| THOMAS EDWARD DANIELS3 | 3014 BLANCHWARD PL COLUMBUS, GA 31909 | AFLAC | $739 | $236 | $975 | 0.76% |
| VARIOUS UNDER 503 | 2600 CROSS COUNTRY DRIVE COLUMBUS, GA 31906 | AFLAC | $668 | $5 | $673 | 0.52% |
| MARGUERITE ANN FAIRBANK3 | 2124 LEEDS DR COLUMBUS, GA 31904 | AFLAC | $400 | $124 | $524 | 0.41% |
| DONALD A WOODS3 | 8700 REVERE ST MIDLAND, GA 31820 | AFLAC | $313 | — | $313 | 0.24% |
| IVERY K BAKER INC3 Filed as: IVERY K BAKER | PO BOX 5496 COLUMBUS, GA 31906 | AFLAC | $313 | — | $313 | 0.24% |
| MATHIS BENEFIT SERVICES LLC3 | 7310 NORTH LAKE DRIVE COLUMBUS, GA 31909 | AFLAC | $300 | — | $300 | 0.23% |
| GRANT WELDON CARTER3 Filed as: GRANT W CARTER | 165 MORTON HOLW FORTSON, GA 31808 | AFLAC | $159 | — | $159 | 0.12% |
| BRETT KLUTZ3 Filed as: BRETT H KLUTZ | 67 LEE RD 874 OPELIKA, AL 36804 | AFLAC | $137 | — | $137 | 0.11% |
| JOHN E CARTER III3 Filed as: JOHN CARTER III | 902 MEADOWS CT PINE MOUNTAIN, GA 31822 | AFLAC | $125 | — | $125 | 0.10% |
| JAMES HOLMAN3 | 100 SUMMER PLACE DRIVE HAMILTON, GA 31811 | AFLAC | $112 | — | $112 | 0.09% |
| MARGARET A SMITH3 | 1109 W PARK AVE VALDOSTA, GA 31602 | AFLAC | $75 | $11 | $86 | 0.07% |
| KATHY B MOBLEY | PO BOX 50 HOWARD, GA 31039 | AFLAC | $75 | — | $75 | 0.06% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM AMOS & CO | 7100 STILLWATER DRIVE 6801 RIVER ROAD COLUMBUS, GA 31904 | AFLAC | $71 | — | $71 | 0.06% |
| RICHARD CARTER SR3 Filed as: RICHARD K CARTER II | 2106 LANCELOT PL COLUMBUS, GA 31904 | AFLAC | $67 | — | $67 | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 | 300 WEST 10TH STREET WEST POINT, GA 31833 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 8.00% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA SUITE 206 CALABASAS, CA 91302 | STANDARD INSURANCE COMPANY | $5K | $691 | $5K | 11.18% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 4386 MISSOULA, MT 59806 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.00% |
| POMS & ASSOCIATES INSURANCE BROKERS3 | 4500 PARK GRANADA SUITE 206 CALABASAS, CA 91302 | ANTHEM BLUE CROSS & BLUE SHIELD | $921 | — | $921 | 4.99% |
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 | 350 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 350 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 350 | $2.9M |
| Dental | STANDARD INSURANCE COMPANY | 347 | $118K |
| Vision | STANDARD INSURANCE COMPANY | 344 | $30K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 101 | $66K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 101 | $66K |
| Other | AFLAC | 255 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.