| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANICE MCGOWAN3 | 10283 BIG CANOE JASPER, GA 30148 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $63K | $75K | 4.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS NJ | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $36K | $36K | 2.11% |
| JANICE MCGOWAN3 | P.O. BOX 126 MARBLE HILL, GA 30148 | AFLAC | $4K | $135 | $4K | 8.61% |
| TEDDY LEE EARLES3 | 445 ANSLEY DRIVE ROSWELL, GA 30076 | AFLAC | $3K | $96 | $3K | 5.50% |
| WILLIAM M WARDLAW JR3 | 5300 OAKBROOK PARKWAY SUITE 300 NORCROSS, GA 30093 | AFLAC | $852 | $38 | $890 | 1.80% |
| GARRY M RHODES3 | 19333 SUMMERLIN ROAD UNIT 162 FORT MYERS, FL 33908 | AFLAC | $172 | $0 | $172 | 0.35% |
| BARBARA J MELVIN3 | 1553 NAVIGATOR DACULA, GA 30019 | AFLAC | $124 | $0 | $124 | 0.25% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $112 | $0 | $112 | 0.23% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $94 | $0 | $94 | 0.19% |
| BRIAN D HOGLE3 | 5210 VILLA LAKE CT SUWANEE, GA 30024 | AFLAC | $81 | $0 | $81 | 0.16% |
| JOHN DALLAS BYERS3 | 2026 VALLEY BROOK DRIVE BRENTWOOD, TN 37027 | AFLAC | $51 | $0 | $51 | 0.10% |
| SHERMAN E DAVIS III3 | 165 CHANNINGS LAKE DR LAWRENCEVILLE, GA 30043 | AFLAC | $33 | $0 | $33 | 0.07% |
| JARED N JONES3 | 6907 RANCH FOREST DRIVE COLUMBUS, GA 31904 | AFLAC | $19 | $0 | $19 | 0.04% |
| PAUL SHELBY AMOS II3 | 1932 WYNNTON ROAD 14TH FL COLUMBUS, GA 31999 | AFLAC | $16 | $0 | $16 | 0.03% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $13 | $0 | $13 | 0.03% |
| SUSAN REDDOCH BUFFINGTON3 | 400 TAX ROAD SHILOH, GA 31826 | AFLAC | $12 | $0 | $12 | 0.02% |
| DEBORAH B SMITH3 | 5703 BRYNWOOD CIRCLE NW ACWORTH, GA 30101 | AFLAC | $10 | $0 | $10 | 0.02% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUNTINGTON BEACH, CA 92646 | AFLAC | $9 | $0 | $9 | 0.02% |
| ANA MARIE GARCIA SMITH3 | 110 VANDERVIEW DRIVE SEYMOUR, TN 37865 | AFLAC | $5 | $0 | $5 | 0.01% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | AFLAC | $4 | $0 | $4 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DRIVE LAWRENCEVILLE, GA 30043 | AFLAC | $3 | $0 | $3 | 0.01% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | AFLAC | $2 | $0 | $2 | 0.00% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD STREET SUITE 259 MEMPHIS, TN 38119 | AFLAC | $1 | $0 | $1 | 0.00% |
| DUSTIN ROBERT JOHNSON3 | 50 HURT PLAZA SE SUITE 995 SUITE 1630 ATLANTA, GA 30303 | AFLAC | $1 | $0 | $1 | 0.00% |
| DUSTIN ROBERT JOHNSON3 | 720 S WELLS STREET APT 1716 CHICAGO, IA 60607 | AFLAC | $1 | $0 | $1 | 0.00% |
| LEE RYAN MCGRAW3 | 1170 MANN ROAD DOUGLASVILLE, GA 30134 | AFLAC | $1 | $0 | $1 | 0.00% |
| JANICE MCGOWAN3 Filed as: JANICE S MCGOWAN | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 15.00% |
| BENEFITMALL5 | 2325 LAKEVIEW PARKWAY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| JANICE MCGOWAN3 Filed as: JANICE S MCGOWAN | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 15.00% |
| BENEFITMALL5 | 2325 LAKEVIEW PARKWAY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| JANICE MCGOWAN3 Filed as: JANICE S MCGOWAN | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| BENEFITMALL5 | 2325 LAKEVIEW PARKWAY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 5.00% |
| JANICE MCGOWAN3 Filed as: JANICE S MCGOWAN | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $398 | $0 | $398 | 14.99% |
| BENEFITMALL5 | 2325 LAKEVIEW PARKWAY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $133 | $133 | 5.01% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 123 | $1.7M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $38K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $21K |
| Other(2 contracts, 2 carriers) | AFLAC | 124 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.