| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $23K | — | $23K | 2.76% |
| 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. | $9K | — | $9K | 4.94% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62689 VIRGINIA BEACH, VA 23466 | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | $4K | — | $4K | 2.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GEORGIA, INC. | PO BOX 905260 CHARLOTTE, NC 28290 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49K | — | $49K | 36.80% |
| CHAMPION BENEFITS3 Filed as: CHAMPION BENEFITS APPROACH, INC. | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $798 | — | $798 | 0.60% |
| IMPACT BENEFIT MANAGEMENT SERVICES3 | 3650 MANSELL ROAD, SUITE 100 ALPHARETTA, GA 30022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $559 | — | $559 | 0.42% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $452 | — | $452 | 0.34% |
| MICHAEL TERRY GENONE3 | 130 NORTH CREST BOULEVARD BUILDING C MACON, GA 31210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $262 | — | $262 | 0.20% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $260 | — | $260 | 0.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF GEORGIA, INC. | 1 GLENLAKE PARKWAY, 11TH FLOOR ATLANTA, GA 30328 | AFLAC | $9K | — | $9K | 8.67% |
| LORRI STEMBRIDGE LLC3 Filed as: LORRI STEMBRIDGE, LLC | 5144 OAKTREE DRIVE MACON, GA 31210 | AFLAC | $3K | $3 | $3K | 2.54% |
| STEVEN L BARKER3 Filed as: STEVEN L. BARKER | 121 HAMPTON RIDGE ROAD MACON, GA 31220 | AFLAC | $3K | $3 | $3K | 2.46% |
| JASON B WEST3 Filed as: JASON B. WEST | 6501 PEAKE ROAD, SUITE 950 MACON, GA 31210 | AFLAC | $2K | $3 | $2K | 2.27% |
| MJ INSURANCE3 Filed as: MARIE ARMSTRONG AND VARIOUS AGENTS | 690 MALVERN HILL DRIVE MACON, GA 31204 | AFLAC | $1K | — | $1K | 1.40% |
| SUSAN A SITZ3 Filed as: SUSAN SITZ | 1204 FAIRWAY DRIVE PERRY, GA 31069 | AFLAC | $940 | $13 | $953 | 0.92% |
| WILLIAM L AMOS & CO INC3 Filed as: WILLIAM L. AMOS AND COMPANY, INC. | 6801 RIVER ROAD, SUITE 205 COLUMBUS, GA 31904 | AFLAC | $752 | $3 | $755 | 0.73% |
| IMPACT BENEFIT MANAGEMENT SERVICES3 | 3650 MANSELL ROAD, SUITE 100 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92 | — | $92 | 9.57% |
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 | 1,601 | 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) | 1,601 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. | 2,824 | $181K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,601 | $954K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,601 | $954K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,601 | $822K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,601 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,824 | — |
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.