| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD, NE NW SUITE 800 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $43 | $50K | 4.95% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15K | $15K | 1.45% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 7 EAST CONGRESS STREET, SUITE 1002 SAVANNAH, GA 31401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $55K | — | $55K | 5.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 312 ELM STREET, SUITE 2400 CINCINNATI, OH 45202 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $13K | — | $13K | 8.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GEORGIA, INC. | 525 MARKET STREET, SUITE 3400 SAN FRANCISCO, CA 94105 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $3K | — | $3K | 1.78% |
| CHAMPION BENEFITS3 Filed as: CHAMPION BENEFITS APPROACH, INC. | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $130K | — | $130K | 116.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GEORGIA, INC. | PO BOX 905260 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $117 | $4K | 3.65% |
| IMPACT BENEFIT MANAGEMENT SERVICES3 | 3650 MANSELL ROAD, SUITE 100 ALPHARETTA, GA 30022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $808 | — | $808 | 0.73% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $648 | — | $648 | 0.58% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS, INC. | 120 18TH STREET, SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $557 | — | $557 | 0.50% |
| MICHAEL TERRY GENONE3 | 130 NORTH CREST BOULEVARD BUILDING C MACON, GA 31210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $364 | — | $364 | 0.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GEORGIA, INC. | 1 GLENLAKE PARKWAY, 11TH FLOOR ATLANTA, GA 30328 | AFLAC | $10K | — | $10K | 8.92% |
| STEVEN L BARKER3 Filed as: STEVEN L. BARKER | 121 HAMPTON RIDGE ROAD MACON, GA 31220 | AFLAC | $6K | $2K | $8K | 7.13% |
| LORRI STEMBRIDGE LLC3 Filed as: LORRI STEMBRIDGE, LLC | 5144 OAKTREE DRIVE MACON, GA 31210 | AFLAC | $5K | $572 | $5K | 4.66% |
| SUSAN A SITZ3 Filed as: SUSAN A. SITZ | 1204 FAIRWAY DRIVE PERRY, GA 31069 | AFLAC | $4K | $1K | $5K | 4.55% |
| JASON B WEST3 Filed as: JASON B. WEST | 6501 PEAKE ROAD, SUITE 950 MACON, GA 31069 | AFLAC | $4K | $714 | $5K | 4.36% |
| MJ INSURANCE3 Filed as: WILLIAM L. AMOS AND VARIOUS AGENTS | 6801 RIVER ROAD, SUITE 205 COLUMBUS, GA 31904 | AFLAC | $3K | $856 | $4K | 3.34% |
| MARIE V. ARMSTRONG & OTHER AGENTS3 Filed as: MARIE VERNIECE ARMSTRON | 890 MALVERN HILL DRIVE MACON, GA 31204 | AFLAC | $2K | $760 | $3K | 2.83% |
| IMPACT BENEFIT MANAGEMENT SERVICES3 | 3650 MANSELL ROAD, SUITE 100 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $649 | $42 | $691 | 78.34% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GEORGIA, INC. | PO BOX 905260 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $208 | $30 | $238 | 26.98% |
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 | 1,499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,172 | $1.0M |
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 2,731 | $156K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 562 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 562 | $1.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 562 | $968K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 562 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,172 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.