| 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 | $57K | $95 | $57K | 4.01% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $29K | $29K | 1.99% |
| USI INSURANCE SERVICES LLC3 | 2502 NORTH ROCKY POINT DRIVE SUITE 400 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $60 | $18K | 1.28% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $53K | $0 | $53K | 5.37% |
| MJ INSURANCE3 Filed as: SUSAN A. SITZ AND VARIOUS AGENTS | 1023 SEA PALM WEST DRIVE SAINT SIMONS ISLAND, GA 31522 | AFLAC | $8K | $281 | $8K | 5.94% |
| STEVEN L BARKER3 Filed as: STEVEN L. BARKER | 121 HAMPTON RIDGE ROAD MACON, GA 31220 | AFLAC | $3K | $494 | $4K | 2.86% |
| USI INSURANCE SERVICES LLC3 | 200 WEST CYPRESS CREEK ROAD SUITE 500 FORT LAUDERDALE, FL 33309 | AFLAC | $4K | $0 | $4K | 2.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF GA | 1 GLENLAKE PARKWAY, 11TH FLOOR ATLANTA, GA 31210 | AFLAC | $3K | $0 | $3K | 2.48% |
| JASON B WEST3 Filed as: JASON B. WEST | 1701 BASS ROAD, SUITE 200 MACON, GA 31210 | AFLAC | $3K | $295 | $3K | 2.09% |
| CRYSTAL ELAINE THORN3 | 815 GLENWOOD AVENUE PERRY, GA 31069 | AFLAC | $2K | $474 | $2K | 1.69% |
| LORRI STEMBRIDGE LLC3 | 5144 OAKTREE DRIVE MACON, GA 31210 | AFLAC | $2K | $99 | $2K | 1.62% |
| MICHAEL TERRY GENONE3 | 130 NORTH CREST BOULEVARD BUILDING C MACON, GA 31210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 1.84% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 1.81% |
| CHAMPION BENEFITS3 Filed as: CHAMPION BENEFITS APPROACH INC. | 1455 LINCOLN PARKWAY, SUITE 100 ATLANTA, GA 30346 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.08% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.08% |
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 | 1,569 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,319 | $1.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,319 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,574 | $999K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,574 | $999K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,574 | $995K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,574 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,319 | — |
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."
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.