| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 3333 RIVERWOOD PARKWAY SE SUITE 400 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $112K | $31 | $112K | 14.42% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $14K | $50K | 6.43% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $10K | $10K | 1.32% |
| RELATION INSURANCE INC3 Filed as: RELATION INSURNACE SVCS. OF CA INC. | 1277 TREAT BOULEVARD, SUITE 400 WALNUT CREEK, CA 94597 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.17% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST BUILDING 16, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $432 | $0 | $432 | 0.06% |
| FRANK R GRIFFIN JR3 Filed as: FRANK R. GRIFFIN JR | PO BOX 233 8601 GARRETT ROAD MIDLAND, GA 31820 | AFLAC | $2K | $100 | $2K | 13.02% |
| EILEEN MARIE STILLWELL3 | 3252 MARICOPA DRIVE COLUMBUS, GA 31907 | AFLAC | $806 | $38 | $844 | 5.68% |
| JOHN E CARTER III3 Filed as: JOHN E. CARTER III | 1050 MOUNTAIN VIEW WAY PINE MOUNTAIN, GA 31822 | AFLAC | $367 | $30 | $397 | 2.67% |
| DAVID M CRUMLEY3 Filed as: DAVID M. CRUMLEY | 132 SEDONA WOODS TRAIL NOLENSVILLE, TN 37135 | AFLAC | $192 | $0 | $192 | 1.29% |
| MCKENZIE GRACE ALLISON3 | 7310 NORTH LAKE DRIVE COLUMBUS, GA 31909 | AFLAC | $27 | $0 | $27 | 0.18% |
| JORDAN S SMITH3 Filed as: JORDAN S. SMITH | 307 SOUTHGATE COURT, SUITE 130 BRENTWOOD, TN 37027 | AFLAC | $23 | $0 | $23 | 0.15% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 83 | $53K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $780K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $780K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $780K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 100 | $795K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.