| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $1K | $17K | 18.63% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.39% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY SUITE 200 ATLANTA, GA 30339 | DELTA DENTAL | $5K | $0 | $5K | 10.00% |
| FRANK R GRIFFIN JR3 Filed as: FRANK R GRIFFIN | PO BOX 233 8601 GARRETT RD MIDLAND, GA 31820 | AFLAC | $2K | $213 | $2K | 15.18% |
| EILEEN MARIE STILLWELL3 Filed as: EILEEN STILLWELL | 3252 MARICOPA DR COLUMBUS, GA 31907 | AFLAC | $718 | $135 | $853 | 5.76% |
| JOHN E CARTER III3 Filed as: JOHN CARTER III | 313 TROOP DR FORTSON, GA 31808 | AFLAC | $390 | $92 | $482 | 3.26% |
| MCKENZIE GRACE ALLISON3 Filed as: MCKENZIE ALLISON | 7310 NORTH LAKE DR COLUMBUS, GA 31909 | AFLAC | $145 | $33 | $178 | 1.20% |
| DAVID M CRUMLEY3 Filed as: DAVID CRUMLEY | 240 WILSON PIKE CIR STE 200 BRENTWOOD, TN 37027 | AFLAC | $28 | $0 | $28 | 0.19% |
| GARY W JOHNSON3 Filed as: GARY JOHNSON | 802 LITTLE CREEK ANDERSON, SC 29621 | AFLAC | $9 | $0 | $9 | 0.06% |
| MORETON & COMPANY3 Filed as: KIM MORTON | 6000 TAZEWELL PIKE KNOXVILLE, TN 37918 | AFLAC | $7 | $0 | $7 | 0.05% |
| RICHARD WILDE3 | PO BOX 22513 KNOWVILLE, TN 37933 | AFLAC | $7 | $0 | $7 | 0.05% |
| MATTHEW D BUTLER3 Filed as: MATTHEW BUTLER | 123 CENTER PARK DR SUITE 102 KNOXVILLE, TN 37922 | AFLAC | $4 | $0 | $4 | 0.03% |
| ERNESTINE KING3 | 115 LAKEWVIEW HILLS LANE CLINTON, TN 37716 | AFLAC | $3 | $0 | $3 | 0.02% |
| JORDAN S SMITH3 Filed as: JORDAN SMITH | 240 WILSON PIKE CIR STE 200 BRENTWOOD, TN 37027 | AFLAC | $3 | $0 | $3 | 0.02% |
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 | 96 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 153 | $140K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 96 | $90K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 96 | $90K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 96 | $90K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 67 | $255K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 96 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.