| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 800 ATLANTA, GA 30305 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $57 | $61K | 4.34% |
| LOCKTON COMPANIES, LLC | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18K | $18K | 1.29% |
| USI INSURANCE SERVICES LLC3 | 1715 NORTH WESTSHORE BOULEVARD SUITE 700 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $51 | $15K | 1.10% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68K | $0 | $68K | 6.16% |
| USI INSURANCE SERVICES LLC3 | 2400 EAST COMMERCIAL BOULEVARD SUITE 600 FORT LAUDERDALE, FL 33308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37K | $0 | $37K | 9.15% |
| STEVEN L BARKER3 Filed as: STEVEN L. BARKER | 121 HAMPTON RIDGE ROAD MACON, GA 31220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | $0 | $21K | 5.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA INC | 1349 OLD 41 HIGHWAY MARIETTA, GA 30060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 2.04% |
| LORRI STEMBRIDGE LLC3 Filed as: LORRI FREEMAN STEMBRIDGE | 5144 OAKTREE DRIVE MACON, GA 31210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 1.61% |
| JASON B WEST3 Filed as: JASON BRANDON WEST | 6501 PEEKE ROAD BOULEVARD 950 MACON, GA 31210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 1.15% |
| MARIE ARMSTRONG AND OTHER AGENTS3 | 544 MULBERRY STREET MACON, GA 31201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 0.30% |
| SUSAN A SITZ3 Filed as: SUSAN A. SITZ | 1204 FAIRWAY DRIVE PERRY, GA 31069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $566 | $0 | $566 | 0.14% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 1 GLENLAKE PARKWAY, 11TH FLOOR ATLANTA, GA 30328 | AFLAC | $8K | $0 | $8K | 5.72% |
| SUSAN A SITZ3 Filed as: SUSAN A. SITZ AND OTHER AGENTS | 1023 SEA PALMS WEST DRIVE SAINT SIMONS ISLAND, GA 31522 | AFLAC | $7K | $5 | $7K | 5.30% |
| STEVEN L BARKER3 Filed as: STEVEN L. BARKER | 121 HAMPTON RIDGE ROAD MACON, GA 31220 | AFLAC | $5K | $0 | $5K | 3.41% |
| JASON B WEST3 Filed as: JASON B. WEST | 6501 PEAKE ROAD, SUITE 950 MACON, GA 31210 | AFLAC | $5K | $0 | $5K | 3.31% |
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | AFLAC | $4K | $0 | $4K | 3.08% |
| CRYSTAL ELAINE THORN3 | 815 GLENWOOD AVENUE PERRY, GA 31069 | AFLAC | $3K | $45 | $3K | 2.56% |
| LORRI STEMBRIDGE LLC3 | 5144 OAKTREE DRIVE MACON, GA 31210 | AFLAC | $3K | $0 | $3K | 2.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA INC | CONCOURSE CORPORATE CENTER 5 18TH FLOOR ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11K | -$29 | $11K | 47.92% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS, INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $95 | $0 | $95 | 0.42% |
| MICHAEL TERRY GENONE3 | 130 NORTH CREST BOULEVARD BUILDING C MACON, GA 31210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $83 | $0 | $83 | 0.37% |
| CHAMPION BENEFITS3 Filed as: CHAMPION BENEFITS APPROACH, INC. | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $0 | $61 | 0.27% |
| IMPACT BENEFIT MANAGEMENT SERVICES3 | 3650 MANSELL ROAD, SUITE 100 ALPHARETTA, GA 30022 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.26% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5 | $0 | $5 | 0.02% |
| IMPACT BENEFIT MANAGEMENT SERVICES3 | 3650 MANSELL ROAD, SUITE 100 ALPHARETTA, GA 30022 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $96 | $0 | $96 | 9.99% |
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 | 1,582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,583 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,337 | $1.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,337 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,582 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,582 | $1.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,582 | $1.1M |
| Other(5 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,743 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,337 | — |
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.