| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANICE MCGOWAN3 | P.O. BOX 126 MARBLE HILL, GA 30148 | AETNA LIFE INSURANCE CO | $13K | $0 | $13K | 4.94% |
| JANICE MCGOWAN3 | P.O. BOX 126 MARBLE HILL, GA 30148 | HUMANA INSURANCE COMPANY | $9K | $0 | $9K | 9.88% |
| JANICE MCGOWAN3 | P.O. BOX 126 MARBLE HILL, GA 30148 | AFLAC | $5K | $253 | $6K | 13.12% |
| TEDDY LEE EARLES3 Filed as: TEDDY EARLES | 394 TEAL COURT ROSWELL, GA 30076 | AFLAC | $2K | $116 | $2K | 5.81% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM WARDLAW | 5300 OAKBROOK PKWY SUITE 300 NORCROSS, GA 30093 | AFLAC | $943 | $62 | $1K | 2.34% |
| BRIAN D HOGLE3 Filed as: BRIAN HOGLE | 5210 VILLA LAKE COURT SUWANEE, GA 30024 | AFLAC | $490 | $0 | $490 | 1.14% |
| GARRY M RHODES3 Filed as: GARRY RHODES | 19333 SUMMERLIN ROAD UNIT 162 FORT MYERS, FL 33908 | AFLAC | $182 | $0 | $182 | 0.42% |
| BARBARA J MELVIN3 Filed as: BARBARA MELVIN | 1553 NAVIGATOR CIRCLE DACULA, GA 30019 | AFLAC | $142 | $0 | $142 | 0.33% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIRCLE DACULA, GA 30019 | AFLAC | $130 | $0 | $130 | 0.30% |
| THOMAS R. GIDDENS3 Filed as: THOMAS R GIDDENS | P.O. BOX 2517 KENNESAW, GA 30156 | AFLAC | $100 | $0 | $100 | 0.23% |
| JOHN BYERS3 | 2026 VALLEY BROOK DRIVE BRENTWOOD, TN 37027 | AFLAC | $60 | $0 | $60 | 0.14% |
| SHERMAN E DAVIS III3 | 165 CHANNINGS LAKE DRIVE LAWRENCEVILLE, GA 30043 | AFLAC | $30 | $0 | $30 | 0.07% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $26 | $0 | $26 | 0.06% |
| JARED N JONES3 Filed as: JARED JONES | 6907 RANCH FOREST DRIVE COLUMBUS, GA 31904 | AFLAC | $21 | $0 | $21 | 0.05% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON ROAD 14TH FLOOR COLUMBUS, GA 31999 | AFLAC | $17 | $0 | $17 | 0.04% |
| SUSAN REDDOCH BUFFINGTON3 Filed as: SUSAN BUFFINGTON | 400 TAX ROAD SHILOH, GA 31826 | AFLAC | $13 | $0 | $13 | 0.03% |
| DEBORAH B SMITH3 Filed as: DEBORAH SMITH | 5703 BRYNWOOD CIRCLE NW ACWORTH, GA 30101 | AFLAC | $11 | $0 | $11 | 0.03% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUNTINGTON BEACH, CA 92646 | AFLAC | $9 | $0 | $9 | 0.02% |
| ANA MARIE GARCIA SMITH3 Filed as: ANA MARIE SMITH | 110 BANDERVIEW ROAD SEYMOUR, TN 37865 | AFLAC | $6 | $0 | $6 | 0.01% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY BLDG 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $5 | $0 | $5 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DRIVE LAWRENCEVILLE, GA 30043 | AFLAC | $3 | $0 | $3 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 Filed as: ALLISON FARRIS WEBDELBERGER | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $1 | $0 | $1 | 0.00% |
| JAMES D DUDLEY3 Filed as: JAMES DUDLEY | 1355 LYNNFIELD ROAD SUITE 259 MEMPHIS, TN 38119 | AFLAC | $1 | $0 | $1 | 0.00% |
| DUSTIN ROBERT JOHNSON3 Filed as: DUSTIN JOHNSON | 50 HURT PLZ SUITE 995-1630 ATLANTA, GA 30303 | AFLAC | $1 | $0 | $1 | 0.00% |
| MELYNDA RAY-MCCUTCHEON3 | 1150 MALLARD LAKE DRIVE BOGART, GA 30622 | AFLAC | $1 | $0 | $1 | 0.00% |
| LEE RYAN MCGRAW3 Filed as: LEE MCGRAW | 1170 MANN ROAD DOUGLASVILLE, GA 30134 | AFLAC | $1 | $0 | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JANICE MCGOWAN INSURANCE BROKER | Insurance agents and brokers Service code 22 | P.O. BOX 126 MARBLE HILL, GA 30148 | $64K |
| AETNA BEHAVIORAL HEALTH PLAN ADMIN | Plan Administrator Service code 14 | 151 FARMINGTON AVE RSAA HARTFORD, CT 06156 | $2K |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC | 210 | $1.4M |
| Dental | HUMANA INSURANCE COMPANY | 120 | $94K |
| Vision | AETNA LIFE INSURANCE CO | 132 | $271K |
| Life insurance | AETNA LIFE INSURANCE CO | 132 | $271K |
| Short-term disability | AETNA LIFE INSURANCE CO | 132 | $271K |
| Long-term disability | AETNA LIFE INSURANCE CO | 132 | $271K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 132 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
No prospect flags tripped on this filing.