| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 611 POINT NORTH BLVD ALBANY, GA 31721 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $6K | $22K | 14.08% |
| MICHAEL HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $1K | $14 | $1K | 4.15% |
| MARILYN HUNTER3 | PO BOX 2826 MUSCLE SHOALS, AL 35662 | AFLAC | $572 | — | $572 | 2.28% |
| SAIC INC3 | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $208 | — | $208 | 0.83% |
| CARMEN HUGHES3 | 5390 HIGHLAND PINE LANE MABLETON, GA 30126 | AFLAC | $202 | — | $202 | 0.81% |
| SAIC INC3 Filed as: SAIC INC. | 1639 BRADLEY PARK DRIVE ST 500 BOX 358 COLUMBUS, GA 31904 | AFLAC | $145 | — | $145 | 0.58% |
| R AND L SUPPLEMENTAL BENEFITS INC3 Filed as: R AND L SUPPLEMENTAL BENEFITS INC. | P.O. BOX 893 FLORENCE, AL 35631 | AFLAC | $142 | — | $142 | 0.57% |
| JOSEPH E PUPEK JR3 | 325 LOBLOLLY DRIVE BONAIRE, GA 31005 | AFLAC | $136 | — | $136 | 0.54% |
| MICHAEL SHANE KIRKLAND3 | 137 PLANTATION DRIVE KILLEN, AL 35645 | AFLAC | $125 | $3 | $128 | 0.51% |
| JOSEPH MCBRIDE3 | 106 AMY LANE MSCLE SHOALS, AL 35661 | AFLAC | $119 | — | $119 | 0.47% |
| CARA G FRETWELL3 Filed as: CARA G GRETWELL | 604 FORD AVE MUSCLE SHOALS, AL 35661 | AFLAC | $111 | — | $111 | 0.44% |
| SUZANNE M WASSNER3 | P.O. 5 SHEFFIELD, AL 35660 | AFLAC | $72 | — | $72 | 0.29% |
| MICHAEL D AISSEN3 | 920 HOLCOMB BRIDGE RD STE 200 ROSWELL, GA 30076 | AFLAC | $64 | — | $64 | 0.26% |
| STEVEN VERMAAK3 Filed as: STEVEN P VERMAAK | 3855 SHALLOWFORD RD STE 310 MARIETTA, GA 30062 | AFLAC | $61 | — | $61 | 0.24% |
| STEVEN L MOORE3 | 4749 GRIFFITT BEND RD TALLADEGA, AL 35160 | AFLAC | $46 | — | $46 | 0.18% |
| JASON L WEEKS3 | 620 STONEGLEN DR STE L KELLER, TX 76248 | AFLAC | $43 | — | $43 | 0.17% |
| CRAIG M GADDY3 | 405 ROCKY RIDGE RD NE JACKSONVILLE, AL 36265 | AFLAC | $42 | — | $42 | 0.17% |
| REX L BROOKS3 | P.O. BOX 893 FLORENCEA, AL 35631 | AFLAC | $38 | — | $38 | 0.15% |
| MATTHEW CREMERS3 | 2965 FOREST CHASE TER NE MARIETTA, GA 30066 | AFLAC | $31 | — | $31 | 0.12% |
| CANDACE JACKSON3 | 6445 RIVOLI DR MACON, GA 31210 | AFLAC | $19 | — | $19 | 0.08% |
| CANDACE JACKSON3 | 6445 RIVOLI DR MACON, GA 31210 | AFLAC | $18 | — | $18 | 0.07% |
| JAMES E HEITKAMP3 | 520 HOYING ST CELINA, OH 45822 | AFLAC | $15 | — | $15 | 0.06% |
| SCOTT A SMITH3 | 5300 OAKBROOK PKWY BLD 300 STE 350 NORCROSS, GA 30093 | AFLAC | $15 | — | $15 | 0.06% |
| ERNEST THOMAS BROOKS3 | 153 CHEYENNE DRIVE JACKSON, TN 38305 | AFLAC | $15 | — | $15 | 0.06% |
| LAWRENCE DENTMON3 | 797 FAIR OAKS DRIVE MACON, GA 31204 | AFLAC | $13 | — | $13 | 0.05% |
| MATTHEW CREMERS3 | 496 BLACKBERRY RUN TRL DALLAS, GA 30132 | AFLAC | $11 | — | $11 | 0.04% |
| JASON WEST3 | 6501 PEAKE RD STE 950 MACON, GA 31210 | AFLAC | $9 | — | $9 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN LEE | 322 FARMHOUSE RD ELLERSLIE, GA 31808 | AFLAC | $9 | — | $9 | 0.04% |
| GARY J SUEVER3 | P.O. BOX 225 DELPHOS, OH 45883 | AFLAC | $9 | — | $9 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN SHELBY AMOS | 4245 MILGEN ROAD COLUMBUS, GA 31907 | AFLAC | $8 | — | $8 | 0.03% |
| GIBBS MORGAN3 | P.O. BOX 2552 INDIAN TRAIL, NC 28072 | AFLAC | $7 | — | $7 | 0.03% |
| JAMES D DUDLEY3 Filed as: JAMES DUDLEY | 1355 LYNNFIELD RD STE 259 MEMPHIS, TN 38119 | AFLAC | $6 | — | $6 | 0.02% |
| DANIEL L JONES3 | 201 N MAIN STREET DELPHOS, OH 45833 | AFLAC | $6 | — | $6 | 0.02% |
| CAROLYN BAXTER3 | 515 STATE ST APT E BAY ST LOUIS, MS 39520 | AFLAC | $5 | — | $5 | 0.02% |
| STAN A SHERLIN3 | 773 TOWNE LAKE DRIVE MONTGOMERY, AL 36117 | AFLAC | $5 | — | $5 | 0.02% |
| BRIANE E HICKS3 | 188 FRONT ST STE 11639 FRANKLIN, TN 37064 | AFLAC | $4 | — | $4 | 0.02% |
| AARON ANSPACH LLC3 | 209 N MAIN STREET STE 8 LIMA, OH 45801 | AFLAC | $4 | — | $4 | 0.02% |
| GARY E SADLER3 | 4244 SCHOOLER ROAD CRIDERSVILLE, OH 45806 | AFLAC | $4 | — | $4 | 0.02% |
| JIM AUSTIN3 | 79 WATER RIDGE PL JACKSON, TN 38305 | AFLAC | $3 | — | $3 | 0.01% |
| MARGUERITE E LEMMON-RINEHART3 | 608 GRIMES RD DRUMMONDS, TN 38023 | AFLAC | $3 | — | $3 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DRIVE LAWRENCEVILLE, GA 30043 | AFLAC | $3 | — | $3 | 0.01% |
| LEE RYAN MCGRAW3 | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $3 | — | $3 | 0.01% |
| JOSHUA K HOPPE3 Filed as: JOSHUA HOPPE | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $2 | — | $2 | 0.01% |
| RONALD H RICHEY3 | 4023 LAURAWOOD LN FRANKLIN, TN 37067 | AFLAC | $1 | — | $1 | 0.00% |
| JOHN W AMOS3 | 10051 VETERANS PKWY STE B-2 MIDLAND, GA 31820 | AFLAC | $1 | — | $1 | 0.00% |
| JOSEPH BURGEI3 Filed as: JOSEPH BURGIE | 6721 REDD RD ELIDA, OH 45807 | AFLAC | $1 | — | $1 | 0.00% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM L AMOS & CO INC. | 6801 RIVER RD STE 205 COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| BRADLEY BOLICK3 Filed as: BRADLEY S BOLICK | 6433 FALL BRANCH DR COLUMBUS, GA 31904 | AFLAC | $1 | — | $1 | 0.00% |
| RPM LTD3 | P.O. BOX 484 BLOOMINGDALE, GA 31302 | AFLAC | $1 | — | $1 | 0.00% |
| CHAD A POLLOCK3 | 6506 ANTHONY DR MAUMEE, OH 43537 | AFLAC | $1 | — | $1 | 0.00% |
| QUINN, MEYER & ASSOCIATES3 | 10800 WINCHCOMBE DR DUBLIN, OH 43016 | AFLAC | $1 | — | $1 | 0.00% |
| MICHAEL J QUINN3 Filed as: MICHAEL J. QUINN | 8580 MAJORCA LANE NAPLES, FL 34114 | AFLAC | $1 | — | $1 | 0.00% |
| LYNNE HUDGINS MOORE3 | 8650 MINNIE BROWN ROAD STE 150 MONTGOMERY, AL 36117 | AFLAC | $0 | — | $0 | 0.00% |
| CHRISTOPHER D BOULDREY3 Filed as: CHRISTOPHER D. BOULDREY | P.O. BOX 602 CONCORD, MI 49237 | AFLAC | $0 | — | $0 | 0.00% |
| JOHN C RASCHELLA3 | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | $0 | — | $0 | 0.00% |
| RONALD J GRETHEL3 | 648 HANNA AVE LOVELAND, OH 45140 | AFLAC | $0 | — | $0 | 0.00% |
| INGER M PENNINGTON3 | 1369 BERKSHIRE DR MILFORD, OH 45150 | AFLAC | $0 | — | $0 | 0.00% |
| SHAWN MARTIN MCDERMOTT3 | 9543 CONKLIN AVE CINCINNATI, OH 45242 | AFLAC | $0 | — | $0 | 0.00% |
| BRADLEY J WIECHART3 | 117 NORTHWOOD DR CELINA, OH 45822 | AFLAC | $0 | — | $0 | 0.00% |
| BRIAN J DAY3 | 13189 HITCHING POST ROD DEWITT, MI 48820 | AFLAC | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD ALABAMA EIN 63-0103830 NONE | Insurance agents and brokers; Contract Administrator; Employee (plan) Service code 13 | 450 RIVERCHASE PAKKWAY E BIRMINGHAM, AL 35298 | $198K |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 255 | $154K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 255 | $154K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 255 | $179K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 255 | $154K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 255 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
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.