| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $36K | $39K | 4.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | AVESIS | $1K | — | $1K | 9.98% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $269 | — | $269 | 4.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP OF GA | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53 | — | $53 | 4.62% |
| ANDREW R JACOBS3 | P O BOX 682472 MARIETTA, GA 30068 | AFLAC | $6K | $89 | $6K | — |
| DUSTIN ROBERT JOHNSON3 | 50 HURT PLAZA SE STE 995 THE HURT BUILDING ATLANTA, GA 30303 | AFLAC | $673 | — | $673 | — |
| ELENI A NIKOLAS3 Filed as: ELENI A KRAUSE | 50 HURT PLAZA SE SUITE 995 THE HURT BUILDING ATLANTA, GA 30303 | AFLAC | $617 | $13 | $630 | — |
| A MORROW VENTURES LLC3 | 1401 NORTH CENTRAL EXPRESSWAY SUITE 214 RICHARDSON, TX 75080 | AFLAC | $519 | — | $519 | — |
| AUDREY J SHRIVE3 | 7057 APPLETREE LOOP COLORADO SPRINGS, CO 80925 | AFLAC | $492 | — | $492 | — |
| ROBERT L GOBLE3 | 90 W WIEUCA ROAD NE SUITE 200 ATLANTA, GA 30342 | AFLAC | $422 | $5 | $427 | — |
| LAUREN GREENWOOD3 | 13607 SEASTONE LANE PINEVILLE, NC 28134 | AFLAC | $228 | — | $228 | — |
| SCOTT L EELLS3 | 7016 TYRSAIL CIRCLE TAMPA, FL 33607 | AFLAC | $198 | $19 | $217 | — |
| TULL COOPER WIGLEY3 | 205 VILLAGE GREEN SQUARE WINSTON SALEM, NC 27104 | AFLAC | $189 | — | $189 | — |
| STEPHEN P SHRIVE3 | 7057 APPLETREE LOOP COLORADO SPRINGS, CO 80925 | AFLAC | $147 | — | $147 | — |
| MELANIE BARRETT KING3 | 1321 GLEN CEDARS DRIVE MABLETON, GA 30126 | AFLAC | $142 | — | $142 | — |
| BENJAMIN D JOHNSON3 | 9526 BEAR CREEK ROAD STERRETT, AL 35147 | AFLAC | $79 | — | $79 | — |
| RONALD S SANDERS3 Filed as: RONALD SANDERS | 7402 KINGS RIVER COURT HUMBLE, TX 77346 | AFLAC | $54 | $18 | $72 | — |
| JAMES H GIBBS3 | 2611 ROSS AVENUE APT 6068 DALLAS, TX 75201 | AFLAC | $71 | — | $71 | — |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BBT INSURANCE SERVICES | 43 SOUTH BROAD STREET SUITE B WINDER, GA 30680 | AFLAC | $71 | — | $71 | — |
| JOHN DEE MAULDIN3 | 3209 PAHETON COURT PLANO, TX 75023 | AFLAC | $65 | — | $65 | — |
| TSG INC3 | P O BOX 3138 DULUTH, MN 55803 | AFLAC | $65 | — | $65 | — |
| JEFFREY UPSHAW3 | P O BOX 8208 COLUMBUS, GA 31908 | AFLAC | $46 | $16 | $62 | — |
| DORIS L BRACKETT3 Filed as: DORIS BRACKETT | 3233 HIGHGATE CHASE COURT BERKELEY LAKE, GA 30092 | AFLAC | $54 | — | $54 | — |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | P O BOX 116367 ATLANTA, GA 30368 | AFLAC | $44 | — | $44 | — |
| CLINT WEIGHT3 | 3204 NORTH ACADEMY ROAD SUITE 130 COLORADO SPRINGS, CO 80917 | AFLAC | $43 | — | $43 | — |
| THOMAS J PITZENBERGER3 | 2106 N LAZY BRANCH ROAD INDEPENDENCE, MO 64058 | AFLAC | $43 | — | $43 | — |
| JOSEPH BAILEY DUCKETT3 Filed as: JOSEPH BAILY DUCKETT | 13920 58TH STREET NORTH SUITE 1002 CLEARWATER, FL 33760 | AFLAC | $37 | $3 | $40 | — |
| TIMOTHY W POWERS3 Filed as: TIMOTHY J HELMAN | 60 VILLAGE COURT ZIONSVILLE, IN 46077 | AFLAC | $33 | — | $33 | — |
| MARY B MCKINNEY3 | 1201 PEACHTREE STREET NE 400 COLONY SQUARE SUITE 1730 ATLANTA, GA 30361 | AFLAC | $31 | — | $31 | — |
| LORI A DEAN3 | 6305 IVY LANE SUITE 410 GREENBELT, MD 20770 | AFLAC | $31 | — | $31 | — |
| REGINALD B RUSHIN3 | P O BOX 311441 ATLANTA, GA 31131 | AFLAC | $30 | — | $30 | — |
| ELIZABETH HARKEY3 | 501 NORTH CHURCH STREET SUITE 300 CHARLOTTE, NC 28202 | AFLAC | $28 | — | $28 | — |
| THOMAS ROBERT GIDDENS3 | P O BOX 2517 KENNESAW, GA 30156 | AFLAC | $26 | — | $26 | — |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $25 | — | $25 | — |
| EDWIN VEGA3 | 6305 IVY LANE SUITE 410 GREENBELT, MD 20770 | AFLAC | $25 | — | $25 | — |
| NICOLE BETH JENKINS3 | 3100 BROADWAY SUITE 223 KANSAS CITY, MO 64106 | AFLAC | $23 | — | $23 | — |
| DAVID C CLOUD JR3 | 1301 SHILOH ROAD NW SUITE 1020 KENNESAW, GA 30144 | AFLAC | $20 | — | $20 | — |
| LANZA & ASSOCIATES LLC3 Filed as: LANZA AND ASSOCIATES LLC | 4505 PINE STREET CIRCLE SUITE 201 VESTAVIA, AL 35243 | AFLAC | $20 | — | $20 | — |
| HARVEY E VARNADOE3 | 520 SUMMER TERRACE WOODSTOCK, GA 30189 | AFLAC | $19 | — | $19 | — |
| MICHAEL K HALL3 | 8117 JONI AVENUE MARTINSVILLE, IN 46151 | AFLAC | $17 | — | $17 | — |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: NORTHWESTERN BENEFIT CORP | PHIPPS TOWER SUITE 1100 3438 PEACHTREE ROAD ATLANTA, GA 30326 | AFLAC | $17 | — | $17 | — |
| KEVIN F WARD3 | 12632 DOUBLE EAGLE DRIVE CARMEL, IN 46033 | AFLAC | $16 | — | $16 | — |
| BRIAN D WATKINS3 | 1565 MILFORD CREEK LANE SW MARIETTA, GA 30068 | AFLAC | $15 | — | $15 | — |
| DAWN CIERPIOT3 Filed as: DAWN R CIERPIOT | 10916 N WALLACE AVENUE KANSAS CITY, MO 64157 | AFLAC | $14 | — | $14 | — |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE COURT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $13 | — | $13 | — |
| JOHN B YARBOROUGH3 | 1113 MOUNTAIN OAKS DRIVE HOOVER, AL 35226 | AFLAC | $12 | — | $12 | — |
| CRAIG S DAVIES3 | 109 TIMBER CREEK COURT ARGYLE, TX 76226 | AFLAC | $11 | — | $11 | — |
| JOSEPH S WILLIAMS3 | 2400 HERODIAN WAY SUITE 170 SMYRNA, GA 30080 | AFLAC | $11 | — | $11 | — |
| RENEE HARRIS3 | 208 SERENDIPITY WAY DALLAS, GA 30157 | AFLAC | $11 | — | $11 | — |
| SUSAN BRIMHALL3 | 18167 US HIGHWAY 19 N SUITE 525 CLEARWATER, FL 33764 | AFLAC | $8 | $3 | $11 | — |
| BRAUNWYNN B BRANDON3 | 4575 SIGNAL RIDGE COURT BUFORD, GA 30518 | AFLAC | $10 | — | $10 | — |
| DANIEL E ZECKMAN3 Filed as: DANIEL ZECKMAN | 1870 THE EXCHANGE SUITE 100 ATLANTA, GA 30339 | AFLAC | $8 | — | $8 | — |
| RODNEY A MCCLURE3 Filed as: RODNEY MCCLURE | 606 REDBUD TERRACE CANTON, GA 30115 | AFLAC | $7 | — | $7 | — |
| TARA M JORDAN3 | 800 LAKESHORE DRIVE TUSCOLA, IL 61953 | AFLAC | $7 | — | $7 | — |
| PAT STALLARD INC3 | 6738 HOLIDAY PT BUFORD, GA 30518 | AFLAC | $7 | — | $7 | — |
| KIEFER GROUP INSURANCE AGENCY LLC3 | 155 INVERNESS DRIVE W SUITE 300 ENGLEWOOD, CO 80112 | AFLAC | $7 | — | $7 | — |
| MONICA L HUGHES3 | 2979 DANBYSHIRE COURT NE ATLANTA, GA 30345 | AFLAC | $6 | — | $6 | — |
| JOSHUA K HOPPE3 | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $6 | — | $6 | — |
| KENNETH B COFER3 | 5950 SYPHONY WOODS ROAD SUITE 214 COLUMBIA, MD 21044 | AFLAC | $5 | — | $5 | — |
| RANDAL R YURCZYK3 | 6858 EAST 525 SOUTH WHITESTOWN, IN 46075 | AFLAC | $4 | — | $4 | — |
| ROBERT M LYMAN3 Filed as: ROBERT L LYMAN | 1145 SPARKLING CRYSTAL AVENUE HENDERSON, NV 89015 | AFLAC | $4 | — | $4 | — |
| KIMBERLY MYERS3 | 257 PEOPLE CREEK ROAD ADVANCE, NC 27006 | AFLAC | $4 | — | $4 | — |
| LESLIE D. FAULKNER3 Filed as: LESLIE D FAULKNER | 501 N CHURCH STREET SUITE 300 CHARLOTTE, NC 28202 | AFLAC | $3 | — | $3 | — |
| ROBERT HESLEP3 | 6680 RIVER ISLAND CIRCLE BUFORD, GA 30518 | AFLAC | $3 | — | $3 | — |
| NAVILLE & ASSOCIATES3 Filed as: NAVILLE AND ASSOCIATES | 14220 OVERBROOK DRIVE CARMEL, IN 46074 | AFLAC | $3 | — | $3 | — |
| REX L BROOKS3 | P O BOX 893 FLORENCE, AL 35631 | AFLAC | $3 | — | $3 | — |
| J MICHAEL BUTLER3 | 1440 OLD LENOIR ROAD SUITE A HICKORY, NC 28601 | AFLAC | $2 | — | $2 | — |
| MARCO JOE KLIMEK3 | 3301 AIRPORT FREEWAY SUITE 324 BEDFORD, TX 76021 | AFLAC | $2 | — | $2 | — |
| KIM J WILLIAMS3 | 4406 FOREST VALLEY CIRCLE VALDOSTA, GA 31602 | AFLAC | $2 | — | $2 | — |
| JEREMY FRYE & ASSOCIATES INC3 Filed as: JEREMY FRYE AND ASSOCIATES INC | 1508 N CHURCH ROAD SUITE B LIBERTY, MO 64068 | AFLAC | $1 | — | $1 | — |
| JEFF HEDGES3 | 2536 CYPRESS OAK LANE GASTONIA, NC 28056 | AFLAC | $1 | — | $1 | — |
| SUSAN BRIMHALL3 | 155 CYPRESS LANE SUITE 525 OLDSMAR, FL 34677 | AFLAC | $1 | — | $1 | — |
| JAMES R HILL JR3 | 2311 W CONE BLVD SUITE 110 GREENSBORO, NC 27408 | AFLAC | $1 | — | $1 | — |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $897K |
| Vision | AVESIS | 188 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $6K |
| Short-term disability | AFLAC | 43 | $0 |
| Long-term disability | AFLAC | 43 | $0 |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 155 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.