| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANICE MCGOWAN3 | 10283 BIG CANOE JASPER, GA 30148 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $66K | $81K | 3.44% |
| 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 | $51K | $51K | 2.16% |
| TEDDY LEE EARLES3 | 445 ANSLEY DRIVE ROSWELL, GA 30076 | AFLAC | $3K | $35 | $3K | 5.47% |
| JANICE MCGOWAN3 | P.O. BOX 126 MARBLE HILL, GA 30148 | AFLAC | $3K | $0 | $3K | 5.21% |
| CHRISTINE M SINTAY3 Filed as: CHRISTINE MARIE SINTAY | 5300 OAKBROOK PKWY SUITE 350 NORCROSS, GA 30093 | AFLAC | $323 | $10 | $333 | 0.62% |
| GARLAND HARMON WILLIAMS3 | 1605 GLENHAVEN WAY LAWRENCEVILLE, GA 30043 | AFLAC | $252 | $8 | $260 | 0.49% |
| CHRISTOPHER E FISCHER3 | 3835 CLYDE MORRIS BLVD UNIT 1306 PORT ORANGE, FL 32129 | AFLAC | $248 | $2 | $250 | 0.47% |
| GARRY M RHODES3 | 2500 EDWARDS DRIVE APT 1107 FORT MYERS, FL 33901 | AFLAC | $157 | $0 | $157 | 0.29% |
| BARBARA J MELVIN3 | 1553 NAVIGATOR DACULA, GA 30019 | AFLAC | $127 | $0 | $127 | 0.24% |
| RAYMOND L MELVIN3 | 1553 NAVIGATOR CIR DACULA, GA 30019 | AFLAC | $111 | $0 | $111 | 0.21% |
| THOMAS ROBERT GIDDENS3 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $86 | $0 | $86 | 0.16% |
| JOHN DALLAS BYERS3 | 2026 VALLEY BROOK DRIVE BRENTWOOD, TN 37027 | AFLAC | $51 | $0 | $51 | 0.10% |
| BRIAN D HOGLE3 | 5210 VILLA LAKE CT SUWANEE, GA 30024 | AFLAC | $42 | $0 | $42 | 0.08% |
| RONALD E KIRKLAND3 | 1044 HARBOR RIDGE ROAD GUNTERSVILLE, AL 35976 | AFLAC | $29 | $0 | $29 | 0.05% |
| SHERMAN E DAVIS III3 | 165 CHANNINGS LAKE DR LAWRENCEVILLE, GA 30043 | AFLAC | $27 | $0 | $27 | 0.05% |
| WILLIAM WARDLAW JR3 Filed as: WILLIAM MERRITT WARDLAW JR | 195 GARFIELD STREET SANTA ROSA BEACH, FL 32459 | AFLAC | $26 | $0 | $26 | 0.05% |
| JARED N JONES3 | 6907 RANCH FOREST DRIVE COLUMBUS, GA 31904 | AFLAC | $21 | $0 | $21 | 0.04% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY L CIELASZYK | 2158 CUMBERLAND PKWY SE APT 2307 ATLANTA, GA 30339 | AFLAC | $18 | $0 | $18 | 0.03% |
| SJR INSURANCE LLC3 Filed as: SJR INSURANCE | 3732 UPLAND DRIVE MARIETTA, GA 30066 | AFLAC | $17 | $0 | $17 | 0.03% |
| PAUL SHELBY AMOS II3 | 6801 RIVER ROAD SUITE 2100 COLUMBUS, GA 31904 | AFLAC | $15 | $0 | $15 | 0.03% |
| SUSAN REDDOCH BUFFINGTON3 | PO BOX 344 MANCHESTER, GA 31816 | AFLAC | $12 | $0 | $12 | 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 | $8 | $0 | $8 | 0.01% |
| ANA MARIE GARCIA SMITH3 | 4504 FAWNIE LANE KNOXVILLE, TN 37918 | AFLAC | $5 | $0 | $5 | 0.01% |
| SCOTT A SMITH3 | 6340 SUGARLOAF PKWY SUITE 200 DULUTH, GA 30097 | AFLAC | $5 | $0 | $5 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DRIVE MONROE, GA 30655 | AFLAC | $3 | $0 | $3 | 0.01% |
| JAMES D DUDLEY3 | 1355 LYNNFIELD STREET SUITE 259 MEMPHIS, TN 38119 | AFLAC | $2 | $0 | $2 | 0.00% |
| ALLISON FARRIS WENDELBERGER3 | 207 SANTA FE DRIVE WALNUT CREEK, CA 94598 | 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 | $8K | $0 | $8K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL5 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $575 | $3K | 5.00% |
| DESIGN BENEFIT SERVICES3 | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL5 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $428 | $2K | 5.00% |
| DESIGN BENEFIT SERVICES3 | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 15.00% |
| BENEFITMALL5 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $926 | $274 | $1K | 5.00% |
| DESIGN BENEFIT SERVICES3 | PO BOX 126 MARBLE HILL, GA 30148 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $664 | $0 | $664 | 15.01% |
| BENEFITMALL5 | 2325 LAKEVIEW PARKWAY SUITE 250 ALPHARETTA, GA 30004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $170 | $51 | $221 | 4.99% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $2.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $2.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $50K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 116 | $24K |
| Other(2 contracts, 2 carriers) | AFLAC | 116 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.