| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANICE MCGOWAN3 | 10283 BIG CANOE JASPER, GA 30148 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $81K | $96K | 4.45% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS NJ | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | $283 | $46K | 2.12% |
| JANICE MCGOWAN3 | P.O. BOX 126 MARBLE HILL, GA 30148 | AFLAC | $3K | $0 | $3K | 5.46% |
| TEDDY LEE EARLES3 | 445 ANSLEY DRIVE ROSWELL, GA 30076 | AFLAC | $2K | $0 | $2K | 4.42% |
| GARRY M RHODES3 | 19333 SUMMERLIN ROAD UNIT 162 FORT MYERS, FL 33908 | AFLAC | $165 | $0 | $165 | 0.31% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE MARIE SINTAY | 5300 OAKBROOK PKWY SUITE 350 NORCROSS, GA 30093 | AFLAC | $163 | $0 | $163 | 0.31% |
| BARBARA J MELVIN3 | 1553 NAVIGATOR DACULA, GA 30019 | AFLAC | $124 | $0 | $124 | 0.23% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $106 | $0 | $106 | 0.20% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $89 | $0 | $89 | 0.17% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY L CIELASZYK | 2158 CUMBERLAND PKWY SE APT 2307 ATLANTA, GA 30339 | AFLAC | $72 | $0 | $72 | 0.14% |
| SLR INSURANCE LLC3 | 3732 UPLAND DRIVE MARIETTA, GA 30066 | AFLAC | $70 | $0 | $70 | 0.13% |
| BRIAN D HOGLE3 | 5210 VILLA LAKE CT SUWANEE, GA 30024 | AFLAC | $58 | $0 | $58 | 0.11% |
| GARLAND HARMON WILLIAMS3 | 1605 GLENHAVEN WAY LAWRENCEVILLE, GA 30043 | AFLAC | $53 | $0 | $53 | 0.10% |
| JOHN DALLAS BYERS3 | 2026 VALLEY BROOK DRIVE BRENTWOOD, TN 37027 | AFLAC | $47 | $0 | $47 | 0.09% |
| SHERMAN E DAVIS III3 | 165 CHANNINGS LAKE DR LAWRENCEVILLE, GA 30043 | AFLAC | $36 | $0 | $36 | 0.07% |
| WILLIAM M WARDLAW JR3 | 195 GARFIELD STREET SANTA ROSA BEACH, FL 32459 | AFLAC | $28 | $0 | $28 | 0.05% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $25 | $0 | $25 | 0.05% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM MERRITT WARDLAW JR | 195 GARFIELD STREET SANTA ROSA BEACH, FL 32459 | AFLAC | $21 | $0 | $21 | 0.04% |
| 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 | $15 | $0 | $15 | 0.03% |
| SUSAN REDDOCH BUFFINGTON3 | 400 TAX ROAD SHILOH, GA 31826 | AFLAC | $11 | $0 | $11 | 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 | $8 | $0 | $8 | 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% |
| 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 | 13.76% |
| BENEFITMALL5 | 2325 LAKEVIEW PARKWAY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 9.17% |
| JANICE MCGOWAN3 Filed as: JANICE S MCGOWAN | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 13.73% |
| BENEFITMALL5 | 2325 LAKEVIEW PARKWAY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 9.15% |
| JANICE MCGOWAN3 | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 13.72% |
| BENEFITMALL3 Filed as: BENEFITMALL 018229 | 2325 LAKEVIEW PKWY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 4.57% |
| JANICE MCGOWAN3 | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $539 | $0 | $539 | 15.00% |
| BENEFITMALL3 | 2325 LAKEVIEW PARKWAY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $180 | $180 | 5.01% |
| JANICE MCGOWAN3 Filed as: JANICE S MCGOWAN | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $484 | $0 | $484 | 13.74% |
| BENEFITMALL5 | 2325 LAKEVIEW PARKWAY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $161 | $161 | 4.57% |
| JANICE MCGOWAN3 | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $454 | $0 | $454 | 15.02% |
| BENEFITMALL3 | 2325 LAKEVIEW PARKWAY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $151 | $151 | 5.00% |
| JANICE MCGOWAN3 Filed as: JANICE S MCGOWAN | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $281 | $0 | $281 | 15.03% |
| BENEFITMALL5 | 2325 LAKEVIEW PARKWAY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $94 | $94 | 5.03% |
| JANICE MCGOWAN3 | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36 | $0 | $36 | 14.94% |
| BENEFITMALL3 | 2325 LAKEVIEW PARKWAY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $12 | $12 | 4.98% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $2.2M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $49K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $41K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $26K |
| Other(3 contracts, 2 carriers) | AFLAC | 133 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.