| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $197K | $26K | $224K | 15.42% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $91K | $30K | $121K | 8.32% |
| YATES LLC3 | 2800 CENTURY PKWY NE SUITE 300 ATLANTA, GA 30345 | METROPOLITAN LIFE INSURANCE COMPANY | $71K | $0 | $71K | 4.90% |
| FRANK R GRIFFIN JR3 Filed as: FRANK R. GRIFFIN JR | PO BOX 233 8601 GARRETT ROAD MIDLAND, GA 31820 | AFLAC | $4K | $42 | $4K | 12.38% |
| EILEEN MARIE STILLWELL3 | 3252 MARICOPA DRIVE COLUMBUS, GA 31907 | AFLAC | $2K | $77 | $2K | 6.11% |
| JOHN E CARTER III3 Filed as: JOHN E. CARTER III | 902 MEADOWS CT PINE MOUNTAIN, GA 31822 | AFLAC | $724 | $25 | $749 | 2.57% |
| DAVID M CRUMLEY3 Filed as: DAVID M. CRUMLEY | 132 SEDONA WOODS TRAIL NOLENSVILLE, TN 37135 | AFLAC | $73 | $0 | $73 | 0.25% |
| PATSY GUTHRIE3 | 103 CEDAR ROCK DRIVE LAGRANGE, GA 30241 | AFLAC | $72 | $0 | $72 | 0.25% |
| DANIEL G ALLEN3 Filed as: DANIEL G. ALLEN AND OTHER AGENTS | 1470 BEAVER CREEK ROAD BRIGHTON, TN 38011 | AFLAC | $26 | $0 | $26 | 0.09% |
| MCKENZIE GRACE ALLISON3 | 7310 NORTH LAKE DR COLUMBUS, GA 31909 | AFLAC | $17 | $0 | $17 | 0.06% |
| BRANDON D. CAVINS3 Filed as: BRANDON D CAVINS | 70 WOODWIND CV EADS, TN 38028 | AFLAC | $17 | $0 | $17 | 0.06% |
| JORDAN S SMITH3 Filed as: JORDAN S. SMITH | 6669 ARNO ALLISONA RD COLLEGE GROVE, TN 37046 | AFLAC | $12 | $0 | $12 | 0.04% |
| HOWARD EATON3 | 3141 PRAIRIE ROSE DR NORWALK, IA 50211 | AFLAC | $6 | $0 | $6 | 0.02% |
| SHARON M WATSON3 | 4273 CHERRY CENTER DR STE 10 MEMPHIS, TN 38118 | AFLAC | $6 | $0 | $6 | 0.02% |
| VBTN, INC3 Filed as: VBTN INC | 2000 GLEN ECHO RD SUITE 204 NASHVILLE, TN 37215 | AFLAC | $4 | $0 | $4 | 0.01% |
| AUSTIN T ASH3 | 3155 CHERRY CENTER DR MEMPHIS, TN 38118 | AFLAC | $4 | $0 | $4 | 0.01% |
| THOMAS EDWARD SHEFFIELD3 | PO BOX 151 MC COOL JUNCTION, NE 68401 | AFLAC | $3 | $0 | $3 | 0.01% |
| JAY S OLEARY3 | 1802 EAVES CT NOLENSVILLE, TN 37135 | AFLAC | $1 | $0 | $1 | 0.00% |
| ALAN W MARTIN3 | 12524 MALLARD BAY DR KNOXVILLE, TN 37922 | AFLAC | $1 | $0 | $1 | 0.00% |
| JOANNA G MATHERLY3 | 4581 MAJESTIC MEADOWS DR ARRINGTON, TN 37014 | AFLAC | $1 | $0 | $1 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIGITAL INSURANCE INC EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $122K |
| ALLIED BENEFIT SYSTEMS LLC EIN 36-3086057 TPA | Claims processing Service code 12 | — | $31K |
| VXTRA PARTNERS EIN 58-2522668 BROKER | Insurance agents and brokers Service code 22 | — | $26K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PPO | Claims processing Service code 12 | — | $19K |
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 | 993 | 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) | 993 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 993 | $1.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 993 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 993 | $1.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 993 | $1.4M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 78 | $442K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 993 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 993 | — |
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.