| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANICE MCGOWAN3 | 10283 BIG CANOE JASPER, GA 30148 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $63K | $78K | 3.48% |
| 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 | $49K | $49K | 2.17% |
| DESIGN BENEFIT SERVICES3 | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 16.10% |
| BENEFITMALL5 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $1K | $3K | 5.37% |
| TEDDY LEE EARLES3 | 445 ANSLEY DRIVE ROSWELL, GA 30076 | AFLAC | $3K | $64 | $3K | 5.98% |
| JANICE MCGOWAN3 | P.O. BOX 126 MARBLE HILL, GA 30148 | AFLAC | $2K | $45 | $2K | 5.15% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE MARIE SINTAY | 5300 OAKBROOK PKWY SUITE 350 NORCROSS, GA 30093 | AFLAC | $203 | $25 | $228 | 0.52% |
| GARRY M RHODES3 | 2500 EDWARDS DRIVE APT 1107 FORT MYERS, FL 33901 | AFLAC | $149 | $0 | $149 | 0.34% |
| BARBARA J MELVIN3 | 1553 NAVIGATOR DACULA, GA 30019 | AFLAC | $114 | $0 | $114 | 0.26% |
| GARLAND HARMON WILLIAMS3 | 1605 GLENHAVEN WAY LAWRENCEVILLE, GA 30043 | AFLAC | $98 | $13 | $111 | 0.25% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $97 | $0 | $97 | 0.22% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $81 | $0 | $81 | 0.18% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY L CIELASZYK | 2158 CUMBERLAND PKWY SE APT 2307 ATLANTA, GA 30339 | AFLAC | $44 | $8 | $52 | 0.12% |
| BRIAN D HOGLE3 | 5210 VILLA LAKE CT SUWANEE, GA 30024 | AFLAC | $45 | $0 | $45 | 0.10% |
| JOHN DALLAS BYERS3 | 2026 VALLEY BROOK DRIVE BRENTWOOD, TN 37027 | AFLAC | $43 | $0 | $43 | 0.10% |
| SHERMAN E DAVIS III3 | 165 CHANNINGS LAKE DR LAWRENCEVILLE, GA 30043 | AFLAC | $33 | $0 | $33 | 0.08% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM MERRITT WARDLAW JR | 195 GARFIELD STREET SANTA ROSA BEACH, FL 32459 | AFLAC | $28 | $0 | $28 | 0.06% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $25 | $0 | $25 | 0.06% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $25 | $0 | $25 | 0.06% |
| SJR INSURANCE LLC3 Filed as: SJR INSURANCE | 3732 UPLAND DRIVE MARIETTA, GA 30066 | AFLAC | $17 | $5 | $22 | 0.05% |
| JARED N JONES3 | 6907 RANCH FOREST DRIVE COLUMBUS, GA 31904 | AFLAC | $18 | $0 | $18 | 0.04% |
| PAUL SHELBY AMOS II3 | 6801 RIVER ROAD SUITE 2100 COLUMBUS, GA 31904 | AFLAC | $13 | $0 | $13 | 0.03% |
| SUSAN REDDOCH BUFFINGTON3 | 400 TAX ROAD SHILOH, GA 31826 | AFLAC | $10 | $0 | $10 | 0.02% |
| DEBORAH B SMITH3 | 647 WOOD POINT WAY DALLAS, GA 30157 | AFLAC | $9 | $0 | $9 | 0.02% |
| LANCE OSBORNE3 | 21822 SEACREST LANE HUNTINGTON BEACH, CA 92646 | AFLAC | $7 | $0 | $7 | 0.02% |
| ANA MARIE GARCIA SMITH3 | 4504 FAWNIE LANE KNOXVILLE, TN 37918 | AFLAC | $4 | $0 | $4 | 0.01% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 350 NORCROSS, GA 30093 | AFLAC | $4 | $0 | $4 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DRIVE MONROE, GA 30655 | 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 | 745 MEADOWBROOK ROAD CARROLLTON, GA 30117 | AFLAC | $1 | $0 | $1 | 0.00% |
| LEE RYAN MCGRAW3 | 1170 MANN ROAD DOUGLASVILLE, GA 30134 | AFLAC | $1 | $0 | $1 | 0.00% |
| DESIGN BENEFIT SERVICES3 | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 16.22% |
| BENEFITMALL5 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $1K | $2K | 5.41% |
| DESIGN BENEFIT SERVICES3 | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 16.22% |
| BENEFITMALL5 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $634 | $720 | $1K | 5.40% |
| DESIGN BENEFIT SERVICES3 | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $590 | $0 | $590 | 16.21% |
| BENEFITMALL5 | 2325 LAKEVIEW PARKWAY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $91 | $106 | $197 | 5.41% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 132 | $2.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $52K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $25K |
| Other(2 contracts, 2 carriers) | AFLAC | 138 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.