| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 1200 ABERNATHY ROAD NE, SUITE 900 ATLANTA, GA 30328 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $1K | $26K | 12.85% |
| MARY JONES3 | 109 ROBIN ROAD SAVANNAH, GA 31419 | AFLAC | $5K | $458 | $6K | 7.45% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 1200 ABERNATHY ROAD, SUITE 900 ATLANTA, GA 30328 | AFLAC | $3K | $0 | $3K | 3.87% |
| CHARLES WEISSBERGER & OTHER AGENTS3 | 54110 MICHELE LANE SHELBY TOWNSHIP, MI 48315 | AFLAC | $2K | $0 | $2K | 2.10% |
| RYAN SCHOMBER3 | 1034 HUNTERS PLACE OLDSMAR, FL 34677 | AFLAC | $677 | $88 | $765 | 1.03% |
| WHITNEY L MILLWOOD3 Filed as: WHITNEY MILLWOOD | 3654 OGLEBAY DRIVE GREEN COVE SPRINGS, FL 32043 | AFLAC | $750 | $0 | $750 | 1.01% |
| CANDACE JACKSON3 | 932 JOHN CARTER ROAD BLOOMINGDALE, GA 31302 | AFLAC | $418 | $88 | $506 | 0.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | AFLAC | $464 | $0 | $464 | 0.63% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 1200 ABERNATHY ROAD NE, SUITE 900 ATLANTA, GA 30328 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PALMER & CAY, LLC | 3050 PEACHTREE ROAD NW, SUITE 475 ATLANTA, GA 30305 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 9.20% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $201K |
| Vision(2 contracts, 2 carriers) | AFLAC | 181 | $89K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $201K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $201K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $201K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.