| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANICE MCGOWAN3 | P.O. BOX 126 MARBLE HILL, GA 30148 | AETNA LIFE INSURANCE CO | $12K | $0 | $12K | 4.56% |
| JANICE MCGOWAN3 | P.O. BOX 126 MARBLE HILL, GA 30148 | HUMANA INSURANCE COMPANY | $9K | $0 | $9K | 9.96% |
| JANICE MCGOWAN3 | P.O. BOX 126 MARBLE HILL, GA 30148 | AFLAC | $4K | $12 | $4K | 14.13% |
| TEDDY LEE EARLES3 Filed as: TEDDY EARLES | 394 TEAL COURT ROSWELL, GA 30076 | AFLAC | $2K | $2 | $2K | 5.58% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW | 5300 OAKBROOK PKWY SUITE 300 NORCROSS, GA 30093 | AFLAC | $535 | $2 | $537 | 1.99% |
| GARRY M RHODES3 Filed as: GARRY RHODES | 19333 SUMMERLIN ROAD UNIT 162 FORT MYERS, FL 33908 | AFLAC | $158 | $0 | $158 | 0.58% |
| BARBARA J MELVIN3 Filed as: BARBARA MELVIN | 1553 NAVIGATOR CIRCLE DACULA, GA 30019 | AFLAC | $127 | $0 | $127 | 0.47% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIRCLE DACULA, GA 30019 | AFLAC | $112 | $0 | $112 | 0.41% |
| THOMAS R. GIDDENS3 Filed as: THOMAS R GIDDENS | P.O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $86 | $0 | $86 | 0.32% |
| JOHN DALLAS BYERS3 | 2477 TITANS LANE BRENTWOOD, TN 37027 | AFLAC | $51 | $0 | $51 | 0.19% |
| SHERMAN E DAVIS III3 | 165 CHANNINGS LAKE DRIVE LAWRENCEVILLE, GA 30043 | AFLAC | $30 | $0 | $30 | 0.11% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW | 5300 OAKBROOK PKWY BLDG 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $27 | $0 | $27 | 0.10% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $19 | $0 | $19 | 0.07% |
| JARED N JONES3 Filed as: JARED JONES | 6907 RANCH FOREST DRIVE COLUMBUS, GA 31904 | AFLAC | $18 | $0 | $18 | 0.07% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON ROAD 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $15 | $0 | $15 | 0.06% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY BLDG 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $4 | $0 | $4 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JANICE MCGOWAN INSURANCE BROKER | Insurance agents and brokers Service code 22 | P.O. BOX 126 MARBLE HILL, GA 30148 | $52K |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC | 249 | $1.2M |
| Dental | HUMANA INSURANCE COMPANY | 117 | $87K |
| Vision | AETNA LIFE INSURANCE CO | 249 | $262K |
| Life insurance | AETNA LIFE INSURANCE CO | 249 | $262K |
| Short-term disability | AETNA LIFE INSURANCE CO | 249 | $262K |
| Long-term disability | AETNA LIFE INSURANCE CO | 249 | $262K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 249 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.